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Old 20.08.2018, 19:06
lordzsolt lordzsolt is offline
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Re: ECA (as in

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Hi everyone,

So, I only need the contents part (we are 2 people in a 4.5 rooms apartment which we rent). I'm considering putting the same value of about 75k CHF for both Zurich Insurance (covering theft and escape of waters) and ECA (covering the fire and natural disasters). I guess I could put a little less for Zurich Insurance but I dont want them to tell me that I'm under insured.

1. Does that make sense?
2. Is 75k CHF for my criteria realistic?
3. Any ad'hoc input?

A colleague of mine told me that you can be "overinsured" as well, ie. if you put too high of a value, you won't get that much, so did you do you math that you actually have 75K worth of personal stuff? Do keep in mind, if you request 75K, you'll be paying a higher premium than if you did a lower value.

When I went to the the ECA office, I asked if I have to insure things that do not belong to me, like the fridge and stuff in the bathroom and they said I don't.
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