Privathaftpflicht
Personal Liability Insurance
[Haft-pflicht]Simple Definition
Covers damages you cause to third parties (people or property). It is practically mandatory for renting an apartment in Switzerland, as landlords require proof of this coverage to sign a lease. It covers everything from scratching a parquet floor to injuring someone while skiing.
Why this matters to Expats.
This is the "Golden Ticket" for housing. You cannot get a key without it. It acts as your reputational shield. If your child smashes a shop window or your dog bites a neighbor, this pays. It is relatively cheap (CHF 100-150/year) for the immense protection it offers.
Actionable Intelligence
Mieterschäden: Ensure your policy explicitly covers "Tenant Damage" (Mieterschäden).
Gross Negligence: Add "Grobfahrlässigkeit" protection. Without it, they can reduce payouts if you were acting recklessly (e.g., leaving a candle unattended).
Driving: It usually covers you driving other people's cars (check "Fremdlenker").
Frequently Asked Questions
Is it mandatory by law?
Technically no, but contractually yes. 99% of landlords mandate it.
Does it cover my family?
Yes, a "Family" policy covers everyone in the household, including pets usually.
Does it cover my own things?
No, that is Hausrat. This only covers damage to OTHERS.
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