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The difference between Liability insurance and Household contents insurance.

Hello. I have a question regarding liability insurance and Household contents insurance. I am still not sure about the difference between liability insurance and household insurance.


Recently, I have finally found a place to live and I need to take out liability insurance (I will be renting a room in an apartment and living with a landload). When I was researching liability insurance, I found household contents insurance and it also seems to protect me if I break something in my room.


I want to save money and I feel that it is not necessary to have household insurance if it protects "my own things" instead of my landlord's property.


This could be a basic question, but I would be grateful if someone could answer it.

The text you are quoting:

Hello. I have a question regarding liability insurance and Household contents insurance. I am still not sure about the difference between liability insurance and household insurance.


Recently, I have finally found a place to live and I need to take out liability insurance (I will be renting a room in an apartment and living with a landload). When I was researching liability insurance, I found household contents insurance and it also seems to protect me if I break something in my room.


I want to save money and I feel that it is not necessary to have household insurance if it protects "my own things" instead of my landlord's property.


This could be a basic question, but I would be grateful if someone could answer it.


Hayato MasudaFeb 26, 2024 @ 22:12
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Re: The difference between Liability insurance and Household contents insurance.
Post 1

Hello. I have a question regarding liability insurance and Household contents insurance. I am still not sure about the difference between liability insurance and household insurance.

Recently, I have finally found a place to live and I need to take out liability insurance (I will be renting a room in an apartment and living with a landload). When I was researching liability insurance, I found household contents insurance and it also seems to protect me if I break something in my room.

I want to save money and I feel that it is not necessary to have household insurance if it protects "my own things" instead of my landlord's property.

This could be a basic question, but I would be grateful if someone could answer it.


Feb 26, 24 22:12

Do you have a legal rental agreement?  Or is the "rental" simply a private arrangement between friends?


And how long will you stay?


R.

The text you are quoting:

Do you have a legal rental agreement?  Or is the "rental" simply a private arrangement between friends?


And how long will you stay?


R.


Ritchie, Feb 27, 2024 @ 16:47
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Re: The difference between Liability insurance and Household contents insurance.
Post 2

Hi, Ritchie.


I had an official contract with my landlord, and I rent a room and live in the same apartment with her.


I am going to stay here until August (half a year).


 


Thank you

The text you are quoting:

Hi, Ritchie.


I had an official contract with my landlord, and I rent a room and live in the same apartment with her.


I am going to stay here until August (half a year).


 


Thank you


Hayato Masuda, Feb 27, 2024 @ 19:32
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Re: The difference between Liability insurance and Household contents insurance.
Post 3

I'm not an expert but here's what I understand:

Household content is insurance for the objects you have in the house: TV, fridge, cloths, etc. If they get damaged / stolen, the insurance covers it. 


Liability is insurance that covers damage you do to to the apartement: fire, flooding, etc. 


If you want an expert opinion (plus glocals discount): https://www.glocals.com/guides/guide-insurance-switzerland-allianz/

The text you are quoting:

I'm not an expert but here's what I understand:

Household content is insurance for the objects you have in the house: TV, fridge, cloths, etc. If they get damaged / stolen, the insurance covers it. 


Liability is insurance that covers damage you do to to the apartement: fire, flooding, etc. 


If you want an expert opinion (plus glocals discount): https://www.glocals.com/guides/guide-insurance-switzerland-allianz/


Nir Ofek, Feb 28, 2024 @ 16:52
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