Household and private liability insurance in the canton of Vaud
Everything to insure your home properly in the canton of Vaud: household contents insurance (your belongings) and private liability (damage caused to others).
Updated on 05.10.2026
What is specific to the canton
In the canton of Vaud, buildings and contents are in principle compulsorily insured against fire and natural hazards with the cantonal insurance institution (ECA). Private household insurance supplements this cover, especially for theft and water damage: avoid paying twice for the same risk.
Points to check
- Calculate the sum insured at the replacement value of your belongings, to avoid underinsurance
- Check simple theft away from home and glass breakage, often optional
- Choose private liability that covers damage to the rented home, often required by the landlord
- Update the contract with every move, birth or major purchase
To go further, read our full guide: Household contents and private liability insurance.
Frequently asked questions
Is household insurance compulsory in the canton of Vaud?
Private household insurance is not compulsory at federal level, but it is strongly recommended. Contents are already covered against fire by the cantonal institution, which affects the private contract.
Is private liability insurance necessary in the canton of Vaud?
It is not compulsory, but most landlords require it and a single claim can be very costly. It covers the whole family.
How can you pay less?
Compare like-for-like cover, adjust the deductible and remove duplicates, for example assistance already included in another policy.
Other cantons
- Household and private liability insurance in the canton of Geneva
- Household and private liability insurance in the canton of Valais
- Household and private liability insurance in the canton of Fribourg
- Household and private liability insurance in the canton of Neuchâtel
- Household and private liability insurance in the canton of Jura
Other insurance in the canton of Vaud
- Car and motorbike insurance in the canton of Vaud
- Life insurance and pensions in the canton of Vaud
- Business insurance in the canton of Vaud
- Health insurance in the canton of Vaud
General information, not personal advice. Cantonal rules can change: an adviser checks your situation before any decision.