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Old 03.04.2016, 13:10
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Renters' Insurance

Does anyone know where to find renters' insurance options? I moved to Basel and am currently renting an apartment, but I want to ensure that I am covered just in case an issue arises. Thanks in advance for the advice!
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Old 03.04.2016, 13:45
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Re: Renters' Insurance

If you own valuable stuff, having a "Hausrat-Versicherung" might be a good idea.
They are usually "packaged" with a "Haftpflicht-Versicherung", which covers damage done by you to other peoples things.
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Old 03.04.2016, 13:47
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Re: Renters' Insurance

Have a look at comparis.ch, there you can get offers from different insurance
companys.
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Old 03.04.2016, 13:48
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Re: Renters' Insurance

https://www.mieterverband.ch/mv-bs/kontakt.html#
The Mieterverband is the standard, tried-and-tested, very good service for tenants. I wouldn't recommend anyone who rents to be without it, unless, perhaps, for the very top market segments for tenants who have other funds for access to lawyers.

Annual membership is Fr. 85. This gives you free access to their advice centre, including legal advice and, if things get serious, the services of a lawyer in matters to do with your rental contract.

For an additional Fr. 12 (very cheap) you can buy a liability insurance to cover any damages you may cause to the premises. Well worth it, even if you are a careful tenant. For example, depending on the type of locks you have, even a small thing like replacing keys can be very costly.


The legal services and the liability insurance of the Mieterverband are related to your rental only. They do not cover other liabilities you incur.


If you get a general, comprehensive personal liability insurance (Haftpflichtversicherung) such as rainer_d suggests, then you will have a certain first slice you have to cover yourself, per case. This is called the Selbstbehalt. You always have to pay this yourself. However, with regard to tenancy issues only, the liability insurance for rental, from the Mieterverband, will cover the Selbstbehalt of your other personal liability insurance.
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Old 03.04.2016, 13:54
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https://www.mieterverband.ch/mv-bs/kontakt.html#
The Mieterverband is the standard, tried-and-tested, very good service for tenants. I wouldn't recommend anyone who rents to be without it, unless, perhaps, for the very top market segments for tenants who have other funds for access to lawyers.

Annual membership is Fr. 85. This gives you free access to their advice centre, including legal advice and, if things get serious, the services of a lawyer in matters to do with your rental contract.

For an additional Fr. 12 (very cheap) you can buy a liability insurance to cover any damages you may cause to the premises. Well worth it, even if you are a careful tenant. For example, depending on the type of locks you have, even a small thing like replacing keys can be very costly.


The legal services and the liability insurance of the Mieterverband are related to your rental only. They do not cover other liabilities you incur.


If you get a general, comprehensive personal liability insurance (Haftpflichtversicherung) such as rainer_d suggests, then you will have a certain first slice you have to cover yourself, per case. This is called the Selbstbehalt. You always have to pay this yourself. However, with regard to tenancy issues only, the liability insurance for rental, from the Mieterverband, will cover the Selbstbehalt of your other personal liability insurance.
This is great advice. I will definitely check it out now!

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Have a look at comparis.ch, there you can get offers from different insurance
companys.
This is good to know! I didn't know that comparis had insurance options too. I used them to find my apartment, so I will check it out now as well.

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If you own valuable stuff, having a "Hausrat-Versicherung" might be a good idea.
They are usually "packaged" with a "Haftpflicht-Versicherung", which covers damage done by you to other peoples things.

I will visit this and thank you for providing the package name. I am still working on my German skills!

Last edited by 3Wishes; 03.04.2016 at 14:54. Reason: merging consecutive replies
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Old 03.04.2016, 14:16
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Re: Renters' Insurance

No problem.
Comparis lists providers for those, too (and allows some limited comparison between them).
You might want to get a detailed quote from any of those, as the online-quote is often not the "last word", it's more of a guidance.
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Old 03.04.2016, 14:22
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Re: Renters' Insurance

Quote:

Note: Building, household and liability insurance are three completely different things.
Liability: Covers damages caused by you to others' property or person. Not mandatory unless so stipulated and agreed upon in the lease.
Household: Covers damages caused by a tenant to his possessions (including those which he (not the landlord) had built into a flat - and which he possibly has to remove, depending on what the landlord says, when he moves out). Not mandatory unless so stipulated and agreed upon in the lease.
Building: Explained above. Mandatory for owners, not renters, in most cantons (bases for that requirement can be cantonal or not).



Moldy walls aren't always caused by construction screwups - search the forum for "stained wall" and you'll see what I'm talking about.
Insurance for apartment rental
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Old 03.04.2016, 15:41
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Re: Renters' Insurance

I mentioned this in your other thread, but you also need liability insurance to cover your dog, this is required in Baselstadt.

Many if not most insurers roll this into your Privathaftpflicht insurance, but not all do, so verify that you are appropriately covered with whoever you choose.

You may need to supply proof of liability coverage to the Gemeinde when you register your dog.
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Old 28.10.2018, 09:05
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Re: Renters' Insurance

Is there any insurance for 'Legal protection insurance' for tenants incase landlord decides to go legal regarding rent dispute..??

I am already member of https://www.mieterverband.ch/mv-zh.html

But their insurance starts aftr 2 months.. I would like to have right now.. just to cover up incase..
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Old 28.10.2018, 09:23
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Re: Renters' Insurance

You don't need one, hearing at the first dispute instance (Schlichtungsbehörde) is free of charge

And insurances would normally reject any claims related to a pre-existing case anyway or it's not really insurance, I believe there's something to this effect even in the law, in case you don't find this clause in their terms & conditions
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Old 28.10.2018, 09:30
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Re: Renters' Insurance

Well I am new Switzerland. I read somewhere that it cost 10-20CHF per month.

I just want to get protected by rental disputes for next 3 months. My landlord always threat that he will ask his lawyer to contact me. So better protected

Any advice would be appreciated..
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Old 28.10.2018, 09:33
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Re: Renters' Insurance

As ivank said, most insurances will not cover anything that had started before the insurance was taken.

Happens in a lot of countries, not only here.
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Old 28.10.2018, 09:41
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Re: Renters' Insurance

But litigation has not started yet...
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Old 28.10.2018, 10:11
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Re: Renters' Insurance

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But litigation has not started yet...
Yea, but there is already an issue now
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