What insurance do I need for my rental apartment? What is voluntary and what is compulsory? Everyone wants to feel at ease in their home. What makes your own four walls really cosy is knowing that you're well protected if the worst comes to the worst. Our three tips on rental apartments show how to make sure this is the case.
Guide
The right insurance for your apartment. Three tips for tenants.
1 Protect your wallet – with personal liability insurance
Personal liability insurance covers financial losses that you accidentally cause to other people – for example if you ride into somebody on your bike or spill coffee on your neighbour's laptop.
It is particularly important for tenants, as it generally also covers what is known as tenant damage – in other words, sudden damage that you, your children, your dog or other pets cause in your rental apartment.
2 Protect your possessions – with household contents insurance
Household contents insurance covers damage to your possessions – whether it's your bike, your watch or your sofa. Our household contents insurance will pay the costs of losses that are caused by the following, for example:
- Fire
- Mains water leaks
- Storms and flooding
- Theft and burglary
- Glass breakages in furniture items such as mirrors or display cabinets
- Damage you cause yourself while moving house
Add-ons for household contents insurance
Would you also like to insure your possessions against additional losses? Then check out our comprehensive insurance for electrical appliances and sports equipment. These two add-ons cover almost all types of damage or loss to your electronic devices such as smartphones, laptops and cameras or sports equipment like bikes, e-bikes and skis.
If, by contrast, you wish to protect individual objects that are particularly dear to you, then single-item insurance is ideal for you. With this, you can insure every individual object in your household – from your hearing aid to your glasses to your coffee machine – against almost all risks.
Combine personal liability and household contents – and save on premiums
The ideal combination for your rental apartment is personal liability cover for tenant damage and household contents insurance for damage to your possessions. If you take out these two forms of cover in a combined package, you will benefit from a 10% combined policy discount.
3 Save trouble – with legal protection insurance
Legal protection insurance covers the costs and expenses you incur when you need to assert your rights. In relation to rental apartments, this generally involves disputes with the landlord or landlady – for instance if they wrongfully withhold your deposit during the handover of your apartment.
In many cases tenants don't even know whether they are in the right or not. Here, too, legal protection insurance can help them out. This is because the cover also includes information over the phone from experienced legal experts – a service which without insurance could easily cost several hundred francs or many hours of painstaking research.
Conclusion: the right insurance for your apartment
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