What if a small accident could cost you thousands of francs?
A water leak, a theft, a fire, or even a simple household accident can have serious financial consequences.
Home insurance (also called “household contents insurance”) is designed to protect you from those unexpected events.
But not all insurance plans are created equal: deductibles, exclusions, limits for valuables, travel coverage, and hidden conditions can vary widely.
My role is to help you understand, compare, and choose the solution best suited to your lifestyle — without overpaying.
I’m Mathias Sudres, an independent, FINMA-registered financial and insurance advisor, based in Switzerland.
I work with all major insurers, including AXA, Zurich, Allianz, Helvetia, Bâloise, Generali, Vaudoise, Groupe Mutuel, and others.
My mission is simple:
To help you obtain complete, customized protection at the best value — tailored to your home, belongings, and real needs.
What does home insurance cover?
Home insurance protects:
- Your household belongings (furniture, clothes, electronics, appliances, etc.)
- Valuable items (watches, jewelry, musical instruments, art, bicycles)
- Damages from fire, water, theft, vandalism, glass breakage, or natural disasters
- Optional coverage for personal effects outside the home (travel, bike theft, etc.)
It’s also highly recommended to combine this with personal liability insurance, which covers damages you may cause to others (for example, water damage to a neighbor’s apartment or a bicycle accident).
Home Insurance + Liability Insurance: the essential duo
These two policies often go hand in hand — and for good reason:
Together, they form the foundation of personal protection in Switzerland.
Home insurance protects your belongings.
Liability insurance protects your finances.
Without liability coverage, a simple mistake could cost tens of thousands of francs — for example, flooding a neighbor’s apartment or breaking something valuable while visiting someone.
Why work with an independent broker?
Online comparison sites can give you a rough idea, but rarely the full picture.
The real differences lie in the details:
- underestimated insured values,
- hidden deductibles,
- or exclusions that don’t match your personal situation.
My work as an independent advisor consists of:
- Analyzing your exact needs
- Comparing offers from all insurers
- Advising you objectively
- handling the entire process for you
Frequently Asked Questions — Home Insurance in Switzerland
Home insurance covers your personal belongings. Personal liability insurance covers damage you cause to others — for example, water leaks, accidents, or broken items.
Not officially, but it’s strongly recommended — and often required by landlords or property managers before signing a rental contract.
It should equal the total replacement value of your household contents. I’ll help you calculate it correctly to avoid underinsurance or unnecessary overpayment.
It covers property damage or personal injury that you accidentally cause to others — at home, in public, or abroad.
Contact your insurer or your broker immediately. I personally assist you in filing the claim, defending your rights, and ensuring quick compensation.
It’s simple: you sign the new application, and your new insurer handles the cancellation of your old one. I make sure the transition happens seamlessly, with no coverage gap.
Usually once per year, with a three-month notice period. However, you can cancel earlier in specific cases, such as moving or premium increases.
Yes, depending on the options chosen (for example, bicycle theft or laptop theft during travel). We can include these coverages in your tailored plan.
On average, between CHF 200 and CHF 350 per year, depending on the insured value and deductible. But differences between insurers can be significant — which is why a professional comparison pays off.
Yes — completely. It’s informative, confidential, and without obligation. You decide afterward if you want to proceed.
Home insurance and personal liability insurance are the foundation of your financial security.
They protect your home, your belongings, and your peace of mind — often for a modest cost.
Take 30 minutes to review your coverage.
A free, no-obligation consultation can help you save money and gain better protection.
