smzh blue logo

Property insurance: Increased efficiency in your insurance portfolio

Market trends: Moderately higher premiums for car, household contents, and liability insurance as well as increasing complexity of products.

Sachversicherungen - desktop

The basics

Property insurance such as car, household contents and liability insurance is essential to be protected against financial risks. However, rising premiums and increasingly complex products are making it difficult to keep an overview. Duplicate insurance or over-insurance results in unnecessary costs.

Important facts on property insurance

Liability insurance

Covers damages you cause to third parties. It is not mandatory in Switzerland, but highly recommended.

Household contents insurance

Protects your personal belongings against damages caused by theft, fire, water, or natural events.

Car insurance

This is mandatory for all car owners. It comprises liability insurance as well as comprehensive cover and additional cover.

How to proceed

1. Request an insurance check-up by smzh
We determine your current situation and compile your existing insurance policies (vehicle, household contents, liability, etc.). Together we discuss your requirements and identify savings potential as well as missing coverage. We subsequently look for the best offers on the market, independently and transparently.
2. Compare premiums and benefits
Check whether your current policies are still in line with your requirements. We compare premiums and benefits of various providers to find the optimal solution for you.
3. Use combination discounts
Many insurers offer discounts if you conclude several policies with the same provider.
4. Optimize deductibles
Higher deductibles lower premiums, but are only advisable if you can afford the financial impact in case of damage.
5. Periodic review
Review your insurance portfolio at least once a year, particularly ahead of notice periods.

image - desktop

smzh ag for you

  • Independent analysis: We analyze your existing insurance coverage with a view to identifying savings potential and insurance gaps.
  • Comparison of providers: We compare premiums and benefits and identify the best options given your circumstances.
  • Insurance check-up: As part of our customized service, we determine your entire current situation and, together with you, carve out the best solutions, transparently and individually.
  • Tailor-made solutions: Our recommendations take into account your individual requirements and risk profiles.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

Contact us

At least once a year or in case your circumstances change (e.g., moving house, car purchase).

Household contents and liability insurance are often offered as a package. Car and supplementary insurance are also often combined.

Check if you are covered for the same risks in several policies, for instance in your household contents and travel insurance.

Yes, it is if you rarely have any damage claims and are able to afford the financial costs in the event of damage.

Yes, but keep in mind the notice periods, which may differ depending on the type of insurance.