Never saw it discussed here, so I was wondering: how do you do it?
My rental guarantee is currently 2360 CHF and I never had a deposit since I moved out of my parents place, always went with the insurance. AXA is basically the cheapest option out there as almost everyone is asking for 5%/year and often double for the 1st year.
So I’m paying 89.30 CHF per year for this insurance. Or in other words it’s costing me 3.78%/year. For me it’s a no-brainer because the expected return of my investments is higher than that and I don’t like to have blocked money.