Tenant's liability insurance. Cover for tenants.

There is no separate tenant's liability insurance in Switzerland. However, to cover yourself against the costs of tenant damage – i.e. damage that you as a tenant cause to a rented property – it is worth taking out personal liability insurance. This covers damage that goes beyond normal wear and tear – for example, if your child immortalises himself on the wall in felt-tip pen or a heavy cupboard leaves scratches on the parquet flooring when you move it. Damage like this can become very expensive when you hand over the apartment. That is why personal liability insurance is one of the most important types of cover for tenants.

Personal liability insurance is not mandatory in Switzerland – not even for tenants – but it is highly recommended. As a tenant, you are liable for damage you cause to the rental apartment, and without appropriate insurance, you have to bear the costs yourself. As these costs can quickly become very high, many landlords and landladies stipulate that you must have liability insurance when applying for their apartment.

Personal liability insurance covers you as a tenant against claims by the landlord or landlady. However, there are also other types of insurance that make sense for tenants in Switzerland – depending on your canton, living situation and personal security needs.

Whether it is furniture, clothing, electronics or sports equipment – if you want to protect your personal belongings against theft or damage at home, it is worth taking out household contents insurance. Among other things, this covers water damage, fire or natural disasters and burglary, theft and robbery. Household contents insurance is voluntary in most cantons, but special regulations apply in certain cantons.

Problems in connection with contract conclusion or rent increases or disagreements with your landlord or rental agency – legal questions often come up in connection with rental apartments. Unfortunately, tenancy law is complex and often difficult for laypeople to understand. To be able to assert your rights as a tenant if the worst comes to the worst, it is helpful to take out legal protection insurance. With this cover, you will receive legal advice and support with enforcing legal claims. The legal professionals of our subsidiary CAP will be happy to help you with questions relating to tenancy law and other areas of law.

Be it in everyday life, when moving home or while handing over your apartment – having the right insurance policies ensures that you are well protected as a tenant. Our liability insurance covers you against the financial consequences of tenant damage. Depending on your living situation, you can combine this with additional insurance policies. If you have any questions or would like to arrange a non-binding consultation, please do not hesitate to contact us.