Insurances for housing

Household insurance

This insurance covers water damage, broken glass and theft (including theft occurring outside the home) in your apartment or a neighbour’s flat (for water damage only).

  • This insuranceis not mandatory but almost always required by rental agencies and student halls when renting an accomodation.
  • This insurance is inexpensive and offers good protection.
  • This insurance is often included in student halls’ contracts.
  • Such a contract can be cancelled in writing by giving 3 months’ notice before the end date.

Fire and natural disasters insurance

This insurance covers fire hazard (explosions, smoke etc.) and natural disaster (falling rocks, avalanches, storm, hail, etc.)

Most cantons (districts) have a Cantonal Insurance Institution.

Cantons of Vaud (main campus)

The immigration office (contrôle des habitants) of your local municipality (commune) informs ECA (Cantonal establishment of insurance) of your arrival in the canton. A few weeks after registering, you will receive a letter from the ECA to insure your personal property (furniture, clothes, electronic devices, leisure objects, etc.) against fire (fire, explosion, smoke, etc.) and natural disasters (flooding, hail, hurricanes, etc.).

This insurance is compulsory in the canton of Vaud for all residents

Canton of Geneva, Valais (extended campus)

There is no Cantonal Insurance Institution, so fire insurance is optional and can be provided by private insurance companies. More information on this page.

Canton of Neuchatel (extended campus)

This insurance is compulsory. More information on this page.

Canton of Fribourg (extended campus)

This insurance is compulsory. More information on this page.

If you live in a furnished apartment, check with your landlord that the furnishings are already covered by his/her policy.

Don’t underestimate this amount, as the insurance is really not expensive (from 25.- CHF/year in canton of Vaud).

Third part liability insurance

Please see on this page.