Starting a family or moving in together

For families and households, there are various ways to optimise insurance arrangements. Moving in together is an ideal time for this. It is important to examine the existing personal insurance policies and combine them in shared policies, if possible, so as to benefit from premium advantages and avoid double insurance.


Whether you are a traditional family, a step-family, a cohabiting couple or are part of a communal living arrangement, living in the same household brings with it a multitude of benefits. One of the major advantages is the reduction in rent and living costs. If you live together, you can help each other out and share expenses for things you use in common. On the other hand, you have to get used to sharing your living space with others and being respectful of their needs and wishes.

Checking your insurance situation

Starting a family or setting up a communal living arrangement has an impact on your insurance situation. Read all insurance policies carefully. Check whether the insurance cover meets your new circumstances. In particular, avoid any double insurance that may arise when two or more people move in together.

Regional and cantonal differences in premiums

If moving in together involves moving to another municipality or canton, this may result in a change in premiums. Premiums for basic insurance are set according to canton and region, while premiums for supplementary insurance vary from canton to canton. Calculate new premium

Notification of new address and forwarding of mail

Moving in together usually also means moving house. You can find useful information, tips and practical checklists for your move on the Change of address – private page of Swiss Post.


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