Only four cantons require a person to insure household content in Switzerland: Nidwalden, Vaud, Fribourg and Jura. Although in other cantons, this type of insurance is “merely” voluntary, it provides the security you need to truly feel at home within your own four walls. Under this insurance, the movable items are covered, no matter what happens. All things permanently attached to the building are covered by building insurance purchased by the homeowner.
You can arrange your home content insurance quite flexibly. Basic protection must be included in every policy. It covers a household item’s damage caused by natural hazards, water, fire, theft or burglary. That insurance protects you against many hazards and allows you to sleep more soundly, but if you want to feel completely at ease, you can buy additional options that cover other sources of damage.
If your home furnishing feature glass or stone elements, insurance will compensate for their damages.
This option is particularly attractive to home and flat owners. Damage to glass surfaces is easy to happen. Likewise, bathroom sinks are vulnerable to damage, scratches or cracks.
Whether you have locked yourself out of your house with the only key remaining inside or you have lost your keys, all related costs are covered by insurance. In the first case, we handle the locksmith service, and in the second, we make sure that you get inside the residence and change the locks.
Calling a craftsman for minor damage is usually extremely challenging. Most professionals are constantly engaged in large jobs and often have no interest in small services. Owning home appliance insurance improves your situation. Since insurance companies have contracts with craftsman companies, you receive quick assistance in cases like a clogged drain pipe or leaky tap in the kitchen.
Even if you are guilty of gross negligence, we will not reduce the benefit you are entitled to under your insurance.
Coverage applies not only to bicycles but also motorized two-wheeled vehicles.
Earthquakes are relatively rare in Switzerland. However, the damage they might inflict can be very troublesome and costly, even when the event itself is not particularly strong.
Suppose you travel frequently, either across Switzerland or abroad. In that case, you probably want comprehensive protection for the items you take with you. For example, insurance will compensate for the cost of your cell phone if it gets stolen during your trip.
Under basic insurance, your smartphones, tablets and notebooks are covered against fire, water, natural hazards and theft as long as they remain in your household. However, if you want comprehensive coverage for your mobile devices, you can obtain it by purchasing a supplemental insurance option. You will then be reimbursed if, for example, your smartphone’s display is damaged, regardless of the cause.
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