[quote=MarieZug;391849]
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When I took out my household contents policy they asked us if we were renting. With Zürich I paid a slightly higher premium when renting, but I was covered for damages (excluding water damage). I did get back half of a years premium when I didn't make a claim during 3 years of renting. | |
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Household contents (Hausrat) and Liability Insurance (Privathaftpflicht) are two different things. The Hausrat insurance does not cover you for damage that you might do to a landlord's property, but it will cover damage from fire and water. A scratched floor for example would definitely come under the Privathaftpflicht.