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Old 10.04.2015, 17:03
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Household damages in insurance...

Ok, this might seem like a simple question, but I'm not sure where to start...

I cracked my sink in my bathroom (oops!) and I would like to deal with it now rather than when I'm moving out... I have so many types of insurance here, but I'm not sure if any of them will cover something like this. Does it fall under my renters insurance? Or liability insurance as some people on here seem to say about apartment repairs?

Also, has anyone dealt with little things like this? Does it matter if it was an accident or, say, a toddler throwing things around

Thanks for any tips!
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Old 10.04.2015, 17:45
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Re: Household damages in insurance...

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Ok, this might seem like a simple question, but I'm not sure where to start...

I cracked my sink in my bathroom (oops!) and I would like to deal with it now rather than when I'm moving out... I have so many types of insurance here, but I'm not sure if any of them will cover something like this. Does it fall under my renters insurance? Or liability insurance as some people on here seem to say about apartment repairs?

Also, has anyone dealt with little things like this? Does it matter if it was an accident or, say, a toddler throwing things around

Thanks for any tips!
Normally liability insurance will pay minus the deduction (chf 200.-- about depending on your policy) contact them now.

Just say you dropped a pot of cream accidentaly on the basin and everything will be ok.
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Old 14.04.2015, 09:56
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Re: Household damages in insurance...

Very useful, thanks!
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Old 14.04.2015, 10:32
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Re: Household damages in insurance...

You accidentally damaged someone else's stuff: A typical case for the liability insurance.
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Old 20.04.2015, 17:17
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Re: Household damages in insurance...

Best would be to call your insurance and explan them the situation. Normally if you have descent House insurance covering basic consitions like, accidental damages then insurance ill pay for the damages.

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Ok, this might seem like a simple question, but I'm not sure where to start...

I cracked my sink in my bathroom (oops!) and I would like to deal with it now rather than when I'm moving out... I have so many types of insurance here, but I'm not sure if any of them will cover something like this. Does it fall under my renters insurance? Or liability insurance as some people on here seem to say about apartment repairs?

Also, has anyone dealt with little things like this? Does it matter if it was an accident or, say, a toddler throwing things around

Thanks for any tips!
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Old 21.04.2015, 13:46
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Re: Household damages in insurance...

if you have all by the same broker/insurance just ask them, i think if you break other people stuff personal liability should pay, but maybe you have other insurances like renter that covers more, you really just have to bring out the contracts and read.
how did you crack it anyway? was it not an accident?
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Old 21.04.2015, 14:55
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Re: Household damages in insurance...

Household insurance: Covers your property in your flat/house: TV, bed, cabinets etc.

Liability insurance: Covers damages done to others' property (e.g. broken glass from you throwing a ball at their car's windshield, cracks in floors caused by your dropping a heavy item on the floor, sink cracks which are due to accidents Source (German).
Not covered by liability insurance are damages which were incurred over time (mold or similar) or those which happened due to gross negligence (e.g. fires due to smoking in bed) - meaning liability insurance only covers sudden accidental damages.
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