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Old 20.03.2019, 13:26
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Liability Insurance

Hello. I changed apartment last month. When I leave the old apartment, real estate agent asked me to pay for the cost to remove mold in shower room, which was not there when I moved into the apartment last year.
I have liability insurance from Baloise (https://www.baloise.ch/en/private-cu...ce-youngo.html). Do you think they will cover the cost for removing mold?
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Old 20.03.2019, 13:45
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Re: Liability Insurance

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Hello. I changed apartment last month. When I leave the old apartment, real estate agent asked me to pay for the cost to remove mold in shower room, which was not there when I moved into the apartment last year.
I have liability insurance from Baloise (https://www.baloise.ch/en/private-cu...ce-youngo.html). Do you think they will cover the cost for removing mold?

Ask them? The insurance might argue that you could have prohibited the mold maybe?


Alternatively you can ask the Mieterverband.
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Old 21.03.2019, 11:40
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Re: Liability Insurance

Read the terms and conditions of your insurance. But most often, damages form ongoing use which cannot be pinpointed to a single, specific event are excluded.
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Old 02.06.2019, 09:01
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Re: Liability Insurance

Hi all,

I didn't want to open up a new thread as this is just a short question and related to the liability insurance. I'm moving to Zurich, Switzerland. I have found a temporary apartment, but the landlord is asking for the copy of the liability insurance. I've checked comparis.ch and in order to get a quote I need to fill out the type of a visa I have and from when. I don't have a visa, yet, I will be applying for the B-permit as soon as I'm in Zurich.

Question is: do you think it is possible to purchase the liability insurance without a permit ?

Thank you very much !
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Old 12.08.2019, 06:54
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Re: Liability Insurance

Hi roegner and aSwissInTheUS,

Thank you for your helpful comments.
I directly asked the insurance company, and they simply said mold damage is not covered by their insurance.
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