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Private customers younGo household insurance
  • Comprehensive cover from CHF 120 a year
  • For anyone under 30: single-person households, shared apartments or young families
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younGo household insurance is simple and affordable. Available from CHF 120 per year, it’s the ideal option for everyone under 30: whether you live alone, in a shared flat, or with your family.
Great cover, small premium

Your first apartment – finally independent! Your head is probably full of ideas for making the most of your new-found freedom.

To make sure the costs are covered in case of a claim, we recommend taking home contents and liability insurance. younGo household insurance includes both. This means that not only is everything covered in your home, but also things like handbags, bikes and skis. Thanks to the “Carefree” safety module, your younGo household insurance also covers damage caused as a result of gross negligence.

The budget-friendly one-year contract is available from as little as CHF 10 per month (premium payable annually). With younGo household insurance, your home contents are insured up to CHF 50,000 for a single person and up to CHF 80,000 for a multi-person household. If your home contents exceed these insured amounts, you can opt for underinsurance. In this case, our traditional household insurance provides optimal protection.

Overview of premiums



Multi-person households
(couples, shared apartments and families)

Household insurance 120 CHF  200 CHF
Household insurance
+ Driving of third-party vehicles
180 CHF 280 CHF
Household insurance
+ Plus comprehensive home contents cover
340 CHF 480 CHF
Household insurance
+ Driving of third-party vehicles
+ Plus comprehensive home contents cover
400 CHF 560 CHF


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Sums insured
  • Single persons:
    CHF 50,000
  • Multi-person households (e.g. couples, shared apartments and families):
    CHF 80,000
Benefits in detail
Home contents insurance
  • Deductible of CHF 200 (except: natural hazards CHF 500 / glass breakage CHF 0)
  • Fire / natural hazard events, burglary / robbery / simple theft on the premises, water up to CHF 50,000 for single-person households and up to CHF 80,000 for multi-person households (couples, shared apartments and families)
  • Simple theft off premises up to CHF 2,000 (e.g. laptop, bike or luggage)
  • Glass breakage up to CHF 5,000
Personal liability insurance
  • Deductible of CHF 200
  • Up to CHF 10,000,000
  • Incl. tenant damage
Driving of third-party motor vehicles
  • Cover of costs for damage to borrowed vehicles
  • Cover of costs for owner’s loss of no-claims bonus
  • Worldwide cover
Plus comprehensive home contents cover
  • Comprehensive protection for your home contents including electrical appliances such as e-bikes, smartphones, tablets and TVs
  • Deductible of CHF 200
  • Sudden damage up to CHF 3,000
“Carefree” safety module

Candle left burning? Gas cooker left on? With the “Carefree” safety module, there’s no benefit reduction in the event of damage caused by gross negligence. It protects you from the financial consequences of a mishap that happened to you because of carelessness. We'll pay the costs of such claims – no ifs, ands or buts.

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Terms and Conditions - BaloiseCombi Household pdf - 307 KB Factsheet - Houshold younGo pdf - 164 KB
Further offers
younGo - Car insurance Your simple car insurance with added drive
younGo - Motorcycle and scooter Great value in the fast lane