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Your first apartment.

Essential insurance cover.

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Sven Gueissaz, Expert Product Manager Non Life

Sven is in charge of our non-life insurance products, such as household insurance and travel insurance. His tasks include undertaking market observation, analysing the competition and defining and implementing product adaptations and innovations. Sven already has 20 years of experience in the insurance industry.

Moving into your very first apartment is the start of a new chapter. But while moving away from home can be freeing, it also brings with it a great deal of responsibility. What insurance do you need? Our tips for optimal insurance coverage for your new home.

Obligatory insurance for your first apartment

Whether or not there is compulsory insurance that you have to take out for your new apartment depends on your canton of residence. Some cantons require that tenants have household contents insurance. In Nidwalden and Vaud, for example, fire and natural hazards insurance is compulsory and is provided by the cantonal fire insurance. In Fribourg and Jura, tenants are also required to have fire and natural hazards insurance but can choose the insurance provider themselves. 

 

Voluntary insurance for protecting your new apartment

While it’s true that, apart from the exceptions named above, you do not need to purchase any compulsory insurance for your apartment, it is still worth having. Damage to the apartment can happen in the blink of an eye, or the apartment might be broken into or your new e-bike stolen from the front of the building. The costs for damages are often high and can really affect your budget. To ensure that you are protected in these cases, we recommend that you take out household insurance. This insurance includes two must-have policies for tenants: household contents insurance and personal liability insurance.

Household contents insurance – for your home and belongings

Household contents insurance

Comprehensive financial cover and service packages: live without worry.

Personal liability insurance – for damage to third-party property

​Personal liability insurance

Financial protection against accidental damage. Individual or family insurance.

Do I need additional legal protection insurance?

Whether you are moving into your first apartment, signing an employment agreement for a job after completing your studies or apprenticeship, or purchasing a new bicycle: you are entering into a legal contract. When you are young, you might not have experience in these matters, which can make you feel insecure or harbour risks. Legal protection insurance helps you feel sure that you are on the safe side and supports you if you have any legal questions.

Advice customised to your situation.

Suitable insurance products

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