Welcome to smzh – Your partner for a financially sound marriage. We support you in setting course for a worry-free future. With a tailor-made advisory offering in the areas of law, insurance, and finance, we accompany you on your journey, step by step. Place your trust in smzh and start your joint future with security, structure, and solid preparation.
Insurance protection for you and your loved ones: Unexpected events can turn life upside down – smzh helps you remain financially protected. Be it household contents, personal liability, vehicle, or life insurance – we offer solutions that are customized according to your requirements and circumstances. Trust smzh in helping you get comprehensive coverage in everyday life and beyond.
Your home is more than just a place – it is where you feel safe and secure. In Switzerland, household contents insurance provides financial protection for your personal belongings and protects you from incurring high costs in the event of damage. Among other things, it covers:
Damage caused by fire, storms, hail, or floods.
Protection against water damage in one's apartment and burglary.
Depending on the policy, the insurance can also cover theft outside the home.
Basic coverage means your valuables are insured at replacement value so you do not need to come up for the costs yourself. For invidual protection, you can add additional options to include valuable electronics, jewelry, or cases of gross negligence. This way, your coverage remains flexible and tailored to your needs.
Accidents and unexpected damages can result in a significant financial burden. With a household contents insurance, you make sure that your property is well protected in case of an emergency – while you can focus on what's essential without having to worry about financial matters.
Every home is unique, and your insurance coverage should be equally unique. Let us advise you to find the coverage that truly suits your circumstances.
Damage to third-party property, e.g., furniture, electronics, or vehicles.
Injury of third parties, e.g. in accidents caused by you or your children.
Should your pet cause damage, for instance scratches on a wooden floor or bitemarks on a handbag.
Small mishaps can easily lead to significant costs – for instance red wine spilled on a friend's white carpet, damage to a neighbor's bike, or a broken shop window. Private liability insuance protects you against financial consequences in case you or a member of your household accidentally damage third-party property or injure others.
A moment of negligence can quickly lead to steep costs – often with no prior warning. Private liability insurance covers such unexpected costs, protecting you from financial burden. It provides assurance that you are covered in case of emergency and do not need to incur any unnecessary risks.
Adjust your private liability insurance to your circumstances and select the kind of coverage you need. This way, you have comprehensive protection without paying too much.
These options provide more comfortable hospital accommodation (single room or two-bed room) and a greater selection of doctors, which can be an advantage particularly in case of planned surgeries for children.
Basic coverage only includes emergencies abroad, but supplementary insurance provides further protection that includes planned treatments abroad – a valuable addition for families that travel regularly.
Supplementary insurance covers treatments that basic insurance does not include, for instance for alternative forms of treatment, non-prescription drugs, or dental treatments that children may need early on.
Marriage marks the beginning of a shared journey that not only brings joy but also introduces new financial and legal challenges. As an independent financial services provider, smzh supports you in laying a solid financial foundation for your marriage from the start. Our tailored solutions are designed to offer you and your spouse long-term security.
We help you take important pension-related decisions such as how to best cover your spouse through your pension fund or life insurance. Together we make sure that you and your partner are best protected in case of emergency.
Marriage changes numerous regulations such as inheritance law. smzh provides comprehensive advice, ensuring that your spouse and family are protected in case of a heavy stroke of fate. Whether you need to draft a will or a contract waiving inheritance – we provide tailor-made solutions for all your needs.
Financial planning as a couple tends to result in new challenges. We support you in choosing the matrimonial property regime that is right for you (regime of acquired property, community of property, or separation of property) and ensure a fair distribution of assets that respects your individual needs.
Marriage also changes your tax status: From the year of marriage, married couples in Switzerland must file a joint tax report, which can lead to changes in taxation. We support in best handling these changes, providing tailored advice.
Call us or make an appointment online for a non-binding first conversation. We look forward to hearing from you.
