Hi everyone,
we recently became homeowners of a supercool apartment in Luzern that is in her 40s (

Apartment block was built sometime in the 70's).
Would really appreciate some advice from others regarding the necessary insurances...
Clearly we need to update our Haftpflicht and Hausrat but I already got stuck here... we have always just picked their recommended middle insurance amount for Hausrat. Now that we own though, in case of say fire (not our fault, because of course, it never is) - that amount covers our expectation for furniture but surely not for replacing the floor and repainting the place. Yet, even though you now tick the box for home owner, it doesn't really change the recommended amount to insure Hausrat for. Is this insurance just for house contents? Then what is the insurance for damage to the inside of the actual apartment called?
I know the apartment block also has an insurance for certain things, like fire and roof damage but would this include damage INSIDE our apartment, surely not?
Also, the apartment block is quite old and I am sure some of the apartments are from the 70s inside. Ours has recently been renovated and is modern, obviously also was a lot more expensive in the purchase price...so how do we insure ourselves against this. Let's say the block burns, we don't want to get reimbursed for the value of a 70s apartment but still owe the bank and have a mortgage for a place that costs far more. Does anyone have any experience in this?
Also does anyone insure against earthquakes in those areas that the insurance company actually doesn't recommend it for? It seems a bit paranoid but on the other hand, you don't want to end up having a massive debt for the rest of your like and nothing to show for it...