In Switzerland, financial security is a constant concern. Two essential insurance protects it daily against risks and unforeseen life: private liability insurance (RC) and household inventory insurance. Specifically, how do they work and why it is essential to choose an adequate optimal coverage for your situation?

Private civil liability insurance: essential protection against unforeseen events

Private civil liability, often called “RC”, is one of the most fundamental insurance that is carried out in Switzerland. Although it is not legally mandatory, it is generally required to sign a rental lease contract, and remains highly recommended for any individual or family that wishes to avoid significant costs after involuntary damage caused to others.

What risks do you respond accurately to the private RC?

This insurance supports body or material damage, a member of his family or even his pet could cause others.

Some concrete examples to clearly illustrate its usefulness:

  • Accidentally break an object of value during a visit to friends.
  • Your child involuntarily causes damage to a store.
  • A water leak from your apartment damages the property of your neighbors.
  • His dog causes an accident that involves a pin through another domestic animal.

Without RC insurance, all these costs could represent several thousand Swiss francs at their expense. Therefore, the subscription of civil liability insurance is essential to preserve its assets and tranquility.

Home inventory insurance: effectively protect your home and property

In addition to private RC, home inventory insurance is insurance par excellence to effectively protect its mobile property. Guarantees financial compensation in case of a disaster: fire, theft, water damage, ice breaks or natural disasters.

What assets are exactly covered by the inventory of the home?

Among the goods covered by domestic insurance are in particular:

  • Furniture and home equipment
  • Electronic equipment (computers, televisions, smartphones)
  • Personal clothing and objects
  • Jewelry, watches, precious objects (depending on the limits provided in the contract)
  • Sports team and musical instruments
  • Light vehicles such as electric bicycles and scooters (depending on specific conditions)

Be careful with subsidability or excessive safety: how to ensure?

Subsure, very frequent in Switzerland, occurs when the total value of insured goods is lower than its real value. Result: In case of claim, its compensation will be reduced proportionally. On the contrary, excessive security unnecessarily increases its cousin without a real benefit in case of a disaster.

In Romandia Partner, we recommend a periodic reevaluation (ideally each of 3 to 5 years) of its products, particularly after substantial purchases, to guarantee the exact coverage. This prevents you with unpleasant surprises at the time of a disaster and better optimizes your annual bonus.

Useful extensions and options to consider for home insurance

Depending on your profile, there are interesting extensions to consider to strengthen your protection:

  • Outstanding protection : Cover your products even when they are temporarily outside your home, for example, on vacation or in the march.
  • Simple flight protection : Very useful for mobile objects often exposed to flight risk, such as smartphones, laptops or electric bicycles.
  • Mirror : To cover windows, ceramic plates or mirrors.

These extensions provide additional serenity, especially if you have a very active lifestyle.

Some important limits of these insurance to know

It is essential to completely understand the limits common to these two insurance:

  • Applicable franchise in accordance with the contract (remaining amount to your coast in case of claim)
  • Refund roof, especially for jewels and precious objects
  • Specific exclusions such as intentional damage or natural wear

Therefore, choosing adapted coverage requires a precise analysis of your needs and real heritage situation.

Why are combined models particularly advantageous?

In Switzerland, it becomes common to opt for combined formulas that gather private RC insurance and domestic inventory with a single insurer. These combined offers guarantee administrative simplification, a single interlocutor in case of a disaster, but above all advantageous premiums thanks to the reductions linked to the combination of contracts.