Basically, there are no compulsory types of insurance for your first rented apartment. However, we recommend that you take out at least contents insurance and personal liability insurance.
Good to know: Landlords demand that tenants have personal liability insurance.
The sum insured corresponds to the total value of your home contents. But who can tell you the value of their belongings at the drop of a hat? This is why you shouldn't just blindly rely on the standard values given by the online calculator. Because the tool doesn't know that you have expensive ski equipment, a mountain bike or a wardrobe full of clothes.
If you're unsure, go around the apartment with a notepad and add everything up. When doing this, write down the price you would have to pay today to buy the items again.
Please note: If you set your sum too low, you run the risk of only being compensated for part of the loss, should you need to make use of your insurance.
It is possible, with a shared apartment, to take out joint personal liability cover and household contents insurance. However, this is inadvisable for two reasons:
We therefore recommend that each roommate takes out their own personal liability and household contents insurance.
Good to know: damage caused by roommates to one another are usually not covered by personal liability insurance.
You could combine your household contents and personal liability insurance and save money. The Relax Assistance travel insurance can also be shared so that you benefit from a lower premium.
If your friends damage something while helping you to move, their liability will be limited as they were doing you a favor. In this case, your friends' liability insurance will likely only cover a portion of the damage.
If you make use of a removal company, you should look at their general terms and conditions (GT&Cs) before entering into an agreement. Take a look at the amount for which the removal company is liable, because they may limit their liability. Clarify whether there are certain damages they cannot be held liable for. In any case, it is worth taking out special transport insurance.
Good to know: With Zurich your household contents are protected during the move up to a value of CHF 2,000, provided you have taken out the supplementary insurance "Accidental damage to contents".
Moving always costs money. But there are also ways to save:
Moving boxes play an important role when moving home. Because you transport your belongings from your old home to your new four walls in them. To ensure that your belongings arrive at their new destination undamaged, you should pay attention to the following properties when choosing a box:
Tips for a "sustainable" move: You don't necessarily have to buy new moving boxes. Plastic rental boxes offer an environmentally friendly alternative to the ordinary cardboard box. You can rent such boxes for your move and then return them afterward. Used cardboard boxes that are in good condition can be used again. So keep an eye out among friends and acquaintances for used moving boxes, before buying new ones.
If you move home, you must report your new address to the following institutions and companies:
Go through our change of address checklist. That way, no one will be forgotten!
Moving home can quickly become stressful. To ensure that everything runs smoothly and nothing important is forgotten, you can download a practical moving checklist as a PDF here.
For more tips on planning your move and information on which insurance will pay in the event of a claim, see our advice article