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Smart Protection for Your Everyday Life
Your home is the center of your life. It's not just home to furniture and electronics, but also memories, habits, and everything else that's important to you in life. But what happens if water damage suddenly ruins your furniture or you accidentally drop a friend's cell phone? That's exactly when household insurance protects you – quickly, reliably, and comprehensively.
Household insurance combines two important components: home contents insurance, which covers your personal belongings against damage and theft, and personal liability insurance, which covers you if you cause harm to third parties, whether at home, on the go, or during leisure time. Together, these insurance policies ensure that you are protected against the most common financial risks in everyday life.
At wefox, we help you find the exact household insurance that suits your lifestyle – transparent, independent, and straightforward. We compare the best providers in Switzerland for you, provide personalized advice, and, if you wish, even cancel your existing insurance policy. So you don't have to worry about anything – except feeling safe.
What is household insurance?
Household insurance consists of two independent, yet perfectly coordinated, insurance policies:
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Home contents insurance
Protects all your belongings within your home, such as furniture, electronics, clothing, or valuables – against damage caused by fire, water, burglary, or natural disasters.
Personal liability insurance
Protects you if you cause harm to others – whether as a pedestrian, cyclist, pet owner, or while visiting friends. Even minor mishaps can quickly become expensive – and this is precisely where liability insurance comes in.
Together, both insurance policies ensure that you are optimally protected in your everyday life and at home – against damage, third-party claims, and high costs.
What does household insurance cover?
Insurance part
What is covered?
Home contents insurance
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Damage to your property caused by fire, water, theft, or natural disasters
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Replacement at replacement value, even in cases of burglary or vandalism
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Optional: broken glass, simple theft while away from home, cyber coverage
Personal liability insurance
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Coverage for damage to third parties (personal injury or property damage)
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Accidents in rental properties or as a pet owner
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Legal defense against unjustified claims
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Optional: Gross negligence protection, worldwide coverage, high coverage amounts
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Combined
Household insurance
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Combined offer with both components – often more affordable
Tip: Many providers offer bundled deals with discounts – we'll find the most affordable package with the best protection for you. At wefox, we advise you on which coverages make sense for your life situation – and where you can save without sacrificing protection.
Who benefits from household insurance?
For anyone who values security, clarity, and convenience. It is particularly recommended for:
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Tenants
Who want comprehensive coverage for their household contents and themselves
Families and couples
Living together in one household
Students and shared flats
For whom combined solutions are more cost-effective
Pet owners
Who may be liable for their pets
Homeowners
As a supplement to building insurance
How much does household insurance cost?
Household insurance is one of the most important voluntary insurances in Switzerland – and it’s often more affordable than you might think. Depending on your location, the value of your belongings, and the level of coverage, annual costs typically range between CHF 100 and CHF 300. Find out here which factors influence the price and how you can save money with smart combinations.
Insured amount
The amount of insured items in your household (furniture, electronics, jewelry, etc.) determines the price. Underinsurance can be expensive in the event of a claim – too much coverage costs unnecessarily more.
Cost factors
Scope of coverage
Whether you choose only basic coverage (fire, water, theft) or additional risks such as broken glass, bicycle theft, or natural damage directly influences the premium.
Cost factors
Deductible
How much you pay out of pocket in the event of a claim determines the price. The higher the deductible, the lower the premium – but the greater the risk for you.
Location: Premiums are often higher in cities with higher burglary rates or areas with natural hazards (e.g., flood risk).
Cost factors
Size of apartment / number of people
More living space and more people insured usually mean more insured items – and therefore higher costs.
Cost factors
Grösse der Wohnung /
Anzahl Personen
Mehr Wohnfläche und mehr mitversicherte Personen bedeuten meist auch mehr versicherte Gegenstände – und somit höhere Kosten.
Kostenfaktoren
Combination discounts
Those who take out home contents and personal liability insurance with the same provider or bundle additional coverage can benefit from attractive discounts.
Cost factors
Optional additional coverage
Benefits such as gross negligence protection, cyber insurance, or extended coverage for valuables increase the premium but also offer additional protection.
Cost factors
By combining home contents and personal liability insurance, you can often benefit from attractive discounts. Additional coverages such as glass breakage, cyber protection, or valuables insurance can also affect the total price. To ensure you get exactly the protection you need — without missing any important details — we're happy to provide you with personal advice.
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Why wefox? Your advantage in household insurance
Independent comparison
We review offers from leading Swiss insurers
Personal advice
Online, by phone, or in person
Switching service included
We cancel your old insurance for you
Full transparency
You only get what you really need
Secure combined benefits
We get the best discounts for you
With wefox, you have a partner at your side who supports you independently, honestly, and straightforwardly – so that your home and everyday life are optimally protected.
FAQs about household insurance
Contents insurance protects your property – liability insurance protects you if you cause damage to others.
Not necessarily – but it usually makes sense to take them together. You're fully protected and often save money with bundled deals.
Yes – with appropriate additional coverage, contents insurance also protects you outside of your home.
Yes – children in the same household are automatically covered. Pets may need to be registered with the provider.
Children are known to be masters of surprises. And since these minor or major mishaps can happen to them too, you may be wondering how long your little ones are protected by your insurance. Children are usually covered by their parents' personal liability insurance until they complete their first vocational training or turn 25. So there's no need to panic if your offspring has a clumsy moment!
Of course – we'll take care of it for you, on time, and at no cost to you.