Understand the protection
Distinguish damage to other people's property from risks to your own belongings.
Personal liability & household contents
Your home. Your belongings. Your financial breathing room.
An accident should not put unnecessary pressure on your plans. We review how personal liability and contents insurance fit your household and which costs you would need to pay yourself after a claim.
What you gain from the review
Value your inventory appropriately
Review sums insured, valuables and locations against your actual household.
Coordinate your contracts
Identify possible gaps and overlaps, then decide with knowledge of the conditions.
Liability and contents
Less uncertainty. Protection that fits your life.
What would you like to improve? We review your circumstances and explain how cost and cover fit together. Our support continues after your decision.
Understand the key benefits, decisions and pitfalls, clearly explained in your knowledge PDF.
How we build your solution
- 01
Understand the household
We discuss the people, living arrangements, inventory and existing contracts.
- 02
Review the cover
We compare sums insured, deductibles, extensions and relevant exclusions.
- 03
Prepare your decision
You choose with a clear basis; we clarify starting dates, changes and cancellation deadlines.
Prepare for a clear decision
Knowledge that helps in everyday life
A small incident can lead to a large bill
Damage to a rented home, knocking over someone else's device or a burglary involve different insurance policies. Being liable for damage can have financial consequences. Replacing your own household belongings can also cost more than you expect. It matters which contract applies to each situation.
Come home with the important questions answered
You know who is insured, which belongings are included and which deductible fits your budget. When you move or start a new stage of life, you can make informed adjustments. This clear overview helps you identify gaps and unnecessary overlaps.
We look at your household before the policy
Andrade Finance discusses your home, household members and important belongings with you. We explain liability and contents cover using everyday situations, then check sums insured, limits and exclusions in your documents. Several policies become a decision you can understand.
Two policies with different responsibilities
Distinguish other people's losses from your belongings
Personal liability insurance concerns claims from others when you are responsible for personal injury or property damage. Within the contract, the insurer assesses valid claims and defends unjustified ones. Damage to your own belongings generally belongs outside this cover.
Household contents insurance protects your household's movable belongings against agreed risks. These policies are often combined. Still, consider the role of each cover separately and which losses you could afford to bear yourself.
Value your contents on the right basis
For contents insured at new replacement value, consider what equivalent new items would cost today. Current value takes age and wear into account. Your sum insured should match the valuation basis in the contract; an insufficient sum can lead to a reduced payment.
Work through each room: furniture, clothes, electronics, kitchen items and sports equipment add up. Include the cellar and other insured locations. Photographs and receipts can help you describe the inventory later. Review particularly valuable individual items separately.
Check specific benefits and limitations
Fire, certain natural hazards, water and theft are common contents risks. Your policy and conditions define what is actually covered. Simple theft away from home, glass breakage and accidental damage may require additional cover.
Check deductibles, limits for valuables and geographical scope. Losing or misplacing something does not automatically make it an insured theft. Earthquakes and other exclusions also deserve attention. The event described and the benefit agreed for it determine the relevant protection.
Represent your rental home and household correctly
Tenant damage can fall under personal liability. Distinguish normal wear from damage; current value may matter to a liability claim. Check the tenancy agreement's requirements and cover for lost keys or borrowed items.
Who is insured: just you, your family or people sharing the home? Check the address and household members. Contents insurance has cantonal differences: Vaud and Nidwalden require cantonal fire and natural hazard cover. We take your place of residence into account.
Identify overlap with existing contracts
Bring existing contents, travel, valuables and device protection policies to the discussion. Credit card benefits may also be relevant in certain situations. Similar wording does not guarantee identical cover: compare the item, event, insured person, location and limit.
An overlap is a reason to review the documents. Decide on cancellation only after comparing the conditions. When moving in together or leaving your parents' home, check existing family policies and the intended start date for any new cover.
Balance protection and budget with Andrade Finance
We start with your household and losses that would put significant pressure on your reserve. We then consider suitable sums insured, deductibles and extensions. You can judge a premium in the context of the protection actually offered.
Bring your policies, an approximate inventory and any questions. We explain differences between selected options and discuss the next steps. After moving, making substantial purchases or changing your household, review the policy information again.
Clear answers to your questions
Does liability insurance replace my own damaged laptop?
Generally no. The event and your item need to be covered by a suitable property insurance policy.
Is theft away from home automatically included?
No. Check simple theft away from home cover, its maximum benefit and the deductible.
Does a family policy cover every flatmate?
That depends on the definition of insured people. Check flatmates and adult children explicitly.
Should I compare premiums alone?
First compare the same risks and sums insured. Exclusions, deductibles and benefit limits also affect value.
Request liability and contents insurance advice
An accident should not put unnecessary pressure on your plans. We review how personal liability and contents insurance fit your household and which costs you would need to pay yourself after a claim.