Combined household contents and personal liability insurance Household insurance

Combination of household contents & liability
Fast & friendly support in the event of a claim
You only pay for what you actually need
Calculate the premium now

AXA's household insurance combines household contents and personal liability insurance and ensures that you and your loved ones have comprehensive coverage if the worst happens.

Purchase advice: 0800 800 501

Household contents insurance or personal liability insurance? Both!


The experts agree: Everyone should have both household contents insurance and personal liability insurance as protection against the financial consequences of a loss event. Whether it's due to an accident at home or damage you cause to others.

Around three quarters of all AXA's customers choose this no-worries package. And there's a good reason why: Combining these two indispensable products gives you comprehensive protection – and the reassuring feeling of security.

Whether you're a sporting ace, animal lover, or cellphone fan: Our modular household insurance is a flexible fit for your needs and lifestyle. It offers coverage precisely in line with your needs – no more and no less.

Discount of up to CHF 100

If customers take out household insurance, they benefit from a one-time discount of CHF 50 on basic insurance. The same applies to personal liability insurance. Take out personal liability and household insurance with AXA now and save yourself CHF 100.

Calculate premium now for combined insurance


Household contents insurance: comprehensive protection for your belongings

What happens if you are burgled? If your basement floods in a storm? Or your camera is stolen from your hotel room? You can stay fully relaxed with household contents insurance from AXA. Because we insure your entire household contents – both at home and away from home. And, in the event of a claim, we process your case in a fast and straightforward manner.

The benefits of AXA's household contents insurance

  • Your entire household contents are insured at new-for-old value against damage caused by fire, water, burglary and theft from your car as well as  damage from natural forces such as storms and high water.
  • Theft away from home is covered worldwide.
  • Important objects such as cellphones, bicycles or jewelry can be insured additionally against damage and loss by yourself or third parties.
  • If you lose your keys, the costly key service is included.
  • The tradesmen emergency service  takes care of emergencies around the house such as defective heating.
  • Restoration of damaged data and virus removal by an expert.

Why is personal liability coverage so important?

What happens if you ruin the parquet floor of your rented apartment? Or accidentally collide with a pedestrian on your bike, injuring them? AXA's personal liability insurance covers the financial consequences that you or your loved ones cause accidentally to others and their property – which, in a worst case scenario, can extend into the millions. 

The benefits of AXA's personal liability insurance

  • Damage to other people and their property, for example as a tenant, as a bicycle, e-bike or moped rider, or as an animal keeper
  • Damage while flying drones or model aircraft
  • Damage from self-employment (up to max. CHF 20,000 annual earnings)
  • Damage to private third-party vehicles 
  • Damage to hired or carsharing vehicles
  • Damage caused by your pets to your rented apartment – including damage caused gradually

Customer reviews

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Determined from 20442 customer opinions

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Since we had never made a claim on our household contents insurance, the entire claims amount was paid - with no deductible. We were both delighted and positively surprised! Thanks a lot. David R.
Thank you for the rapid and efficient processing of our claim. I can further recommend you with good conscience. Walter Z.
Thank you for the quick and straightforward help. Everything went smoothly. Following your advice to our rather difficult landlady, I was able to avoid having to use the tenant protection service. Thanks to your competence and expertise, you succeeded in rapidly defusing the situation and were a pillar of strength for our family. We are both thankful and very satisfied. Manuel T.

Individual insurance protection

AXA's household insurance is structured in modules: You can expand your household contents or personal liability protection with our supplementary coverage. Or simply insure your favorite items. Precisely in line with your needs.

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