Protect your belongingsStart with the things you would need to replace.
Home Contents Insurance
In Switzerland
Make room for peace of mind. English-speaking advice on protecting your belongings, household and everyday life in Switzerland.
- Based in Zug and GenevaLocal understanding
- English-speaking advisersClear, personal advice
- Supporting residents and expatsAcross Switzerland
Home contents, explained
The things you own.
The life you’ve built around them.
Furniture, clothing, electronics and everyday possessions can add up to more than you expect. Home contents insurance can help meet the cost of replacing insured belongings after an event covered by your policy.
A useful starting point is simple: what would it cost to set up your household again? Then check the insured events, limits and excesses, rather than comparing the premium alone.
Know what is insured
Your belongings and the building are different insurance needs.
Use a realistic value
A complete replacement-value inventory helps avoid gaps.
Check the limits
Valuables and belongings away from home may need extra attention.
Choose your protection
A solid foundation.
Extras that fit your household.
Insured events and optional benefits vary between products. Compare the core protection first, then add cover for the situations that matter to you.
Core household contents cover
Protection for your insured movable belongings against the events listed in your contract.
- Check the policy’s definitions of fire, water damage, natural hazards and theft.
- Review the sum insured, excess and any individual item limits.
- Make sure every home and storage location you need is declared.
A household policy does not automatically insure the building itself or every kind of accidental damage.
Selected extensions and extras
Additional benefits can address specific belongings, activities or gaps in the basic contract.
- Ask about simple theft away from home, bicycles and portable equipment.
- Declare jewellery, collections and other high-value items as required.
- Compare accidental-damage, glass or all-risk options where available.
An extension still has terms, exclusions and limits. Check what the additional premium changes.
Compare the options side by side
| What to compare | Core household contents cover | Selected extensions and extras |
|---|---|---|
| Main purpose | Insured belongings at the declared locations. | Additional events, property or situations agreed in the policy. |
| Away from home | Check temporary-location provisions and limits. | Simple theft away from home or selected valuables may require an extension. |
| Amount insured | Match the household sum to replacement value. | Check separate item limits and first-loss sums. |
| Excess | Varies by contract and insured event. | May differ from the basic policy excess. |
| Useful review point | Moving home or changing household size. | Buying valuables, a bicycle or expensive portable equipment. |
A practical guide
A plan that makes sense for your needs.
Choose an amount that reflects your home
Work room by room and include the small things as well as the major purchases. The aim is a realistic replacement value for the whole household.
- List your belongings. Include furniture, clothes, electronics, kitchen equipment and possessions in storage.
- Estimate replacement cost. Ask which valuation basis applies to each category and how settlement is calculated.
- Check valuable items. Review specific limits, declarations and evidence required for jewellery or collections.
- Review after change. Update your policy when you move, combine households or make substantial purchases.
A useful check before comparing premiums
An attractive premium may reflect a lower insured amount or a higher excess. Compare like-for-like benefits and ask how underinsurance would affect a partial claim.
Your belongings do not always stay at home
A phone, laptop or bicycle may travel with you every day. Check what happens outside your insured home and which events are covered.
- Distinguish burglary, robbery and simple theft in the policy wording.
- Check the geographical area, temporary storage and maximum trip duration.
- Ask about limits for cash, electronics, bicycles and jewellery.
- Consider any overlap with travel insurance or a separate valuable-items policy.
One situation, different outcomes
A stolen bicycle and a bicycle damaged in an accident are different events. A theft benefit should not be taken as evidence that accidental damage is also insured.
Make your cover fit your new address
A move is a good moment to review both contents and personal liability. These covers can be sold together, but they do different jobs.
- Tell the insurer about the new address, rooms, residents and relevant storage spaces.
- Confirm whether temporary overlap between old and new homes is included.
- Separate damage to your own possessions from liability for damage to someone else’s property.
- Check the arrangement required for fire and natural-hazard cover in your canton.
Keep the roles clear
Contents insurance concerns your own insured possessions. Personal liability may respond to certain claims made against you, including some tenant damage, subject to its terms.
Advice built around you
A clearer choice, with Swiss Prime
Bring your current schedule and a rough inventory. We can help you compare insured events, excesses and limits, and understand where contents cover meets personal liability or travel insurance.
Our English-speaking team is based in Zug and Geneva, supporting clients in Zurich, Lausanne and across Switzerland.
★★★★★
Based on 80 reviews
Mihai-George3 months ago
Exceptional Service and Financial Guidance! I have been working with SwissPrime International for the past four years for my tax returns, and I cannot recommend them highly enough. Their services are consistently outstanding, prompt, and incredibly helpful. What truly sets SwissPrime apart is their approachability and willingness to have open, transparent discussions. Beyond just handling my annual tax filing, they have provided me with invaluable, personalized insights into enhancing my retirement plan year over year. They also took the time to offer excellent Swiss financial education, which has been a massive advantage in navigating the local financial landscape. If you are looking for a reliable, knowledgeable, and proactive partner for your financial and tax needs, SwissPrime International is the way to go!
Carl Gillblad4 months ago
Ever since I moved to Zug, Swiss Prime has helped me with my taxes. They have always been very forthcoming, professional, and helpful with taxes, declarations, and pension planning.
Paul Timmins5 months ago
Our family has been a client of Swiss Prime for over ten years. t's always a pleasure working with them. Fast, efficient and accurate service.
Ben Mitchell6 months ago
I have had the pleasure of managing my tax returns and insurance policy discussions with the team over the last 6 years. Always clear, always helpful and have a vast knowledge of the market to advise.
Karin Lochte6 months ago
Super service, immer schnelle und zuverlässige Bearbeitung! Inklusive guter tipps
Paul Harrison6 months ago
Philip Hüsler assisted me for my tax submissions agter moving to Canton Zug. I am extremenly impressed with his professional and timely service. Extremely good value and greatly appreciated..
Semih Ilbars6 months ago
As an expat, dealing with taxes in Switzerland can be quite complex, so having the right support makes a huge difference. I had a very positive experience working with this team, especially Philip Huesler on my tax matters. They are highly professional, knowledgeable, and very responsive. Whenever I had questions—whether about the tax process, documentation, or specific situations—I always received clear and helpful answers in a timely manner. Their guidance made the entire process much smoother and gave me confidence that everything was being handled correctly. I can highly recommend their services, especially for expats looking for reliable and professional tax support.
avishek pal7 months ago
The Swiss Prime team (Philip in particular) has been supporting my family tax filings for the last four years. Always proactive in defining requirements and setting timelines, clear in communications and documentation needs and at the end, a timely and clean filing. They also make time for calls to clarify any questions or requests from the Swiss tax authorities. And, they handle complexity well, given my tax filing spans two countries. Daniel from the team has been a long-time advisor for my other investment needs and has always been objective and supportive with his expert recommendations.
Zdenko Mazurek7 months ago
I have been using Swiss Prime International’s services for several years and I am consistently very happy with them. The team is highly responsive, extremely knowledgeable and always very kind and professional. They take time to understand my needs and provide clear, reliable support. It is a pleasure working with a company that delivers such a high standard of service year after year. Highly recommended!
Elizabeta Stojcheva7 months ago
I’ve been working with Swiss Prime advisors for a while now, and I couldn’t be more satisfied with the service. They are incredibly knowledgeable, detail-oriented, and always up to date with the latest regulations, no matter if it's tax, investments or insurance related. They’re also very responsive and easy to reach whenever I have questions. I always feel confident that my finances are being handled accurately and efficiently. Overall, a reliable, professional, and trustworthy expert who genuinely cares about their clients. Highly recommended to anyone looking for peace of mind when it comes to handling their finances.
Answers before you apply
Home Contents Insurance FAQs
Straightforward answers to the questions people ask first.
Is home contents insurance the same as personal liability?
No. Contents insurance concerns your own insured belongings. Personal liability concerns covered claims made against you for injury or damage to others. A combined product still contains separate sections and terms.
Is home contents insurance compulsory?
Requirements for fire and natural-hazard cover can depend on the canton. Your tenancy or other contract may also set requirements. We can help you check the arrangements relevant to your address.
What is underinsurance?
Underinsurance can arise when the insured sum is below the replacement value of the property. Depending on the terms, this may reduce payment even for a partial loss. Review the valuation method and any contractual waiver carefully.
Are my bicycle and laptop covered outside my home?
Not automatically for every event. Check simple theft away from home, accidental damage, territorial limits and category limits. An additional benefit or separate policy may be needed.
What should I keep for a claim?
Keep a sensible inventory, photographs and purchase or valuation evidence where possible. Follow the insurer’s reporting requirements and keep damaged property until the insurer advises what to do.
When should I review my policy?
When you move, change household size, buy valuable items or substantially increase the value of your possessions. Also compare terms before renewal and before cancelling any existing cover.
A helpful first conversation
Let’s make your next step a clear one.
Tell us about your household, address and the belongings you want to protect. We can help you prepare a clear contents insurance comparison.
Zug office
Alpenstrasse 14, 6300 Zug, Switzerland.
Geneva office
Chemin du Pommier 42, Case postale 53,
1218 Le Grand-Saconnex, Switzerland.
Tell us what you need
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