I need some help with understanding this 3rd party private liability insurance if you rent a place. From what I can gather from posts here, the insurance helps you out if you leave your rental house and want all of your deposit back??

I mean, if you clean properly and the house only suffered normal wear and tear, do landlords still claim part of the deposit? And it that what the insurance covers? And if that is the case, can I sign up without trouble even if we already lived in our flat for a year? Or would they want to drop by and inspect the state of the house?

Thanks for any tips, as I have great trouble understanding such an insurance, in my home country, this does not cover normal damage to houses at all.

You could contact Jenny from this forum. She's in Swiss Romande.

you want house insurance to cover any "accidental" damage to your place whilst you're renting.

I think you'll find they have little or no right to do an "inspection" during your tenancy unless they think you're maliciously and willfully damaging the apartment.

You can insure from now if you want.

Hi,
This is my first post on the website, although I have read many other threads and found the information here extremely helpful for many different issues.

My question is somewhat related to the 3rd party insurance for renters. Does the SwissCaution basically do the same thing up to the value of the insurance taken out or is it really only for the rental bond insurance, i.e. non-payment of rent?

Where can I take out this 3rd party insurance? The concept is a bit strange to me, as I rent out a property back home, and had to take out 'Landlord's Insurance' to cover possible damage done by tenants to my property. I'd appreciate if anyone has a link to websites where I could get a quote for the insurance or recommend a company/broker. I live in Aargau canton.

Thanks in advance.

it's purely a bond. Insurance is something you need as renter as you'll be the one paying for things when you move out.

3rd party liability insurance covers you against a myriad of things that you might do that damage the property of others. Your rented accomodation is one of them.

This however is completely separate from the deposit you have paid. This money instead is used for small damages and for non payment of rent. In other words if you have managed to put holes in the wall and forgotten to tippex them then you are left needing to pay SFr 200 for a specialist to come in and "mend" the damage. It is not worth activating your insurance as you need to pay the first 200 francs, and as you deliberately caused the damage the insurance is anyway not valid.
Sign up whenever you like for such insurance policies. Note they don't cover your property at all...