Was the piano too heavy after all, did your helper drop the box full of porcelain or is there a huge scratch on the parquet? Damage to your rented apartment is covered by personal liability insurance. If your valuable vase is broken or the sofa bursts open, the situation is more complicated: According to the law, your private moving helper – who is helping out as a favor to you – is not or only partly liable for the damage incurred. This also applies to the moving company – it can limit its liability. Your contents insurance may help out in this context, covering up to CHF 2,000 worth of damage under the "Damage suffered when moving" heading. For valuable household contents, it is advisable to take out a specific transport insurance policy for the day of the move. You can often do that through the moving company. Should anyone with sticky fingers remove a box or an individual item from the stack by the moving truck, this is covered by the supplementary module of your contents insurance, "Simple theft outside the home".