Losing your own home is a traumatic experience that can leave you feeling lost and uncertain. In Switzerland, homeowners are protected from such disasters through mandatory insurance policies. The Hefti family in Schwanden experienced this firsthand when their home was destroyed by an avalanche of mud and debris.
Imagine waking up one day to find that your home, the symbol of stability and security, is gone. Everything you held dear, from photos to personal items, is lost forever. While Switzerland is known for its safety and stability, natural disasters like mudslides and landslides can still wreak havoc on homes.
The Hefti family’s house became uninhabitable after the avalanche, filling their basement with dirt and debris and damaging their ground floor. While the insurance will cover the cost of repairs, the process is slow due to the risk of further landslides in the area. The family is hopeful to return to their home by Christmas 2025.
Building insurance in Switzerland covers the value of the property, including attached fixtures like kitchens and heating systems. However, movable items like furniture and outdoor structures are not included in the coverage. In the case of forced relocation, the canton or municipality may provide additional support to cover the cost of land.
The Heftis are relieved that their insurance will likely cover the majority of the damages, including furniture and other belongings. They are grateful for the support from the community and financial institutions during this difficult time. While
