The sum insured corresponds to the total value of your home contents. But can anybody tell you the value you of their home contents at the drop of a hat? This is why you shouldn't just blindly rely on the standard values given by the online calculator. The tool doesn't know that you own five snowboards, a mountain bike or a very expensive gaming PC.
Attention: If you set your sum too low, you run the risk of only part of the damage being compensated should the worst happen. If you're unsure, go around the apartment with a notepad and add everything up.
Personal liability insurance is highly recommended: It is there for damage that you mistakenly inflict upon others – if you were to stumble, for example, and knock an antique vase off its pedestal or put a burn in the carpet of a hotel room. It is there for those times when, as we say, things go awry.
Tip: Be sure to include gross negligence cover with your personal liability. After all, who can completely rule out the possibility of something really unfortunate happening to them? The extra few francs are a good investment and ensure that you receive the best possible protection – even if your mind was somewhere else entirely for a moment.