Household Contents Insurance
Whether at home or away from home. Household contents insurance lets you protect your personal property against fire, theft, water, glass breakage and damage by natural forces.
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How household contents insurance works
Replaces what's important to you
We're here for you when things go to pieces. Household contents insurance covers the cost of:
- Fire: fire, smoke, lightning, explosion and implosion, falling aircraft and spacecraft or parts thereof, damage through scorching
- Natural forces: avalanche, storm, hail, snow pressure, flooding and high water, landslide, rockfall and rockslide
- Theft: burglary, robbery and simple theft, malicious damage to property (vandalism) during burglary
- Water: flooding inside buildings caused by mains water, rain, snow, melting snow, ground water and blocked drains, and by water beds, aquariums, oil from heating systems or oil tanks
As individual as you are
And the supplementary insurance options let you choose exactly the cover you need.
Frequently asked questions
Why do I need household contents insurance?
Whether you're a tenant or owner, we recommend household contents insurance. It covers the financial damage associated with your personal property.
Does my Household Contents Insurance also cover Ukrainian refugees living in my household?
Yes. Refugees from Ukraine with S status are included in the insurance – regardless of whether you have cover for one or more people. This applies until they leave Switzerland or, at the latest, until their S status comes to an end.
This cover also applies at your holiday home if Household Contents Insurance was taken out for your holiday home before you took in the refugees.
I often pay by credit card. Can I protect myself against misuse?
Yes. You can take out supplementary insurance against the misuse of credit cards, bank cards, post office cards, SIM cards and customer cards, and benefit from the free blocking service.
Can I insure other risks?
Yes. You can also insure:
- Simple theft away from home
- Accidental damage (household contents accidental damage)
- Glass breakage
- Earthquakes
- Misuse and blocking service for customer, credit, bank, post office and SIM cards
How high is my retention fee?
Unless otherwise agreed, your retention fee is CHF 200 per loss event.
For damage by natural forces, such as hail, storm or flooding, the retention fee for household contents is CHF 500 per loss event.
How can I cancel the insurance?
The insurance can be cancelled at the end of the minimum contract term by giving 3 months' notice.
Independent at last. Is there insurance for young people?
Yes. Moving out of your parents’ house is the first step towards independence. We support this step with affordable insurance for young adults under 25.
