{"id":15649,"date":"2026-05-13T10:44:01","date_gmt":"2026-05-13T10:44:01","guid":{"rendered":"https:\/\/simply.ch\/aktuelles\/\/"},"modified":"2026-05-13T11:24:55","modified_gmt":"2026-05-13T11:24:55","slug":"spring-insurance-check-policies-you-should-review-annually","status":"publish","type":"post","link":"https:\/\/simply.ch\/en\/news\/spring-insurance-check-policies-you-should-review-annually\/","title":{"rendered":"Moving without nasty surprises: what insurance really covers"},"content":{"rendered":"\t\t
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Moving without nasty surprises: what insurance really covers<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The moving boxes are packed, the removal company is booked and the mail forwarding order is set up. But insurance is quickly forgotten when moving. Yet this is exactly where unexpected costs can arise fast\u2014for example if the sofa is damaged in transit or your health insurance premium suddenly becomes significantly higher in the new canton. Our guide shows you what to look out for when moving. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Check your insurance cover in good time<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Adjust your household contents insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Notify your insurer about the move as early as possible\u2014ideally before the handover of the apartment. Household contents insurance generally moves with you, but without timely notification, transitional cover for both apartments may lapse. In addition, the risk assessment changes with the location. If the details are no longer correct, the insurer may reduce benefits in the event of a claim. <\/p>\n

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Take the opportunity to check the sum insured as well. If you move into a larger apartment, you often buy new furniture and can quickly become underinsured. Setting the cover too low can be costly in the event of a claim. If the sum insured is lower than the actual value of your household contents, the insurer will reduce the payout proportionally. With cover of 80% of the actual value, typically only 80% of the loss is reimbursed. <\/p>\n

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The premium itself can also change. It depends not only on the living space, but also on the location. In cities such as Zurich, Geneva or Basel, premiums are usually higher than in rural areas due to the greater risk of break-ins and theft. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Check your personal liability insurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Personal liability insurance is voluntary in Switzerland, but many landlords require it in the tenancy agreement. Important to know: this clause is legally binding and obliges tenants to take out such insurance. <\/p>\n

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Thanks to personal liability insurance, you are protected if you cause damage to third-party property in your old or new rental apartment. Classic examples include accidentally drilling into a water pipe while putting up a shelf, or damage to parquet flooring caused by a vase tipping over.
Recommended sums insured range from CHF 3 to 20 million. That sounds like a lot, but it can be used up quickly in the event of major damage\u2014for example, water damage affecting several apartments. <\/p>\n

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If you don\u2019t yet have personal liability insurance, moving is the ideal time to catch up. Damage can happen particularly quickly when moving, whether in the old or new apartment. And without the right cover, you are personally liable. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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These types of damage are often not covered<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If your sofa is damaged while being carried or the vase breaks while loading, household contents insurance usually won\u2019t pay. Who covers the damage in the event of a claim depends heavily on the moving situation. To ensure you\u2019re as well protected as possible, it\u2019s worth looking at the two most common scenarios. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Moving with a professional removal company<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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If you hire a professional removal company, ask specifically in advance about transport insurance and have the sum insured confirmed in writing. Also pay attention to the deductible and possible exclusions, such as for art, antiques or electronic devices. If you have particularly valuable household contents, it may be worth taking out separate transport insurance that also covers replacement value. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Private move with family and friends<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Anyone who moves with friends or family knows it: one careless movement and the box of dishes is on the floor, the mirror is scratched or the wardrobe door is damaged. If such mishaps happen to you yourself, standard household contents insurance won\u2019t step in. An add-on cover such as Zurich Insurance\u2019s Household Contents All Risk can help, as it also covers self-inflicted damage to your own household contents. Especially during the hectic moving phase, when something can easily happen, this extra protection can pay off. <\/p>\n

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Regardless of the situation, it\u2019s advisable to photograph valuable items before the move and document any damage immediately in writing, including the date, photos and the people involved. This documentation is the basis for any later claims settlement. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Keep an eye on your health insurer and new premiums<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You are required to notify your health insurer of an address change, and you should do so as quickly as possible. If you move to a different premium region or another canton, your premium can change noticeably. The differences can be significant: in 2026, the average monthly premium in Ticino is CHF 501.50, while in Zug it is CHF 264.50. There are also differences within a canton, for example between urban and rural areas, as Switzerland is divided into around 40 premium regions in total. <\/p>\n

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Moving alone generally does not entitle you to switch health insurer mid-year. The normal notice periods still apply: you can switch by the end of November for 1 January of the following year. So if you move to another canton in summer, it\u2019s worth comparing health insurers in autumn. Providers and premiums in your new region may differ significantly from your previous place of residence. <\/p>\n

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If you move to a more expensive canton, you should also check whether an alternative insurance model such as family doctor, HMO or Telmed can partly offset the higher premiums. Depending on the model, you can save 5% to 25%. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Our moving checklist to avoid nasty surprises <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Check your insurance cover in good time<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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