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Household content insurance in Switzerland – coverage for personal belongings

Household equipment insurance is mandatory in some cantons and recommended in all

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.

Basic and supplemental insurance – two levels of coverage

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.

What options of supplemental insurance are the most recommended?

 

Fractures in stone and glass surfaces in the apartment

If your home furnishing feature glass or stone elements, insurance will compensate for their damages.

 

Building glazing, windows and sinks

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.

 

Locksmith services and unlocking doors

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.

 

Emergency craft services

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.

 

Exclusion of liability for gross negligence

Even if you are guilty of gross negligence, we will not reduce the benefit you are entitled to under your insurance.

 

Electric bicycles and mopeds

Coverage applies not only to bicycles but also motorized two-wheeled vehicles.

 

Earthquakes

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.

 

Theft away from home

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.

 

Supplemental mobile devices coverage

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.

Stone and glass breakage

Building glass, windows, and sinks

Locksmith and door opening service

Emergency service for craftsman services

Waiver of gross negligence

E-bikes and mopeds

Theft away from home

Additional coverage for mobile devices

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