HOUSEHOLD CONTENTS INSURANCE YOUR HOME, WELL PROTECTED.
Fire, water damage, theft or natural hazards: household contents insurance protects your furniture, electronic devices, clothing and other personal belongings against the risks covered by your policy.
YOUR BELONGINGS PROTECTED AGAINST THE UNEXPECTED
Fire, theft, water damage or glass breakage: discover the main types of household contents cover in Switzerland that protect your furniture and personal belongings.
FIRE & SEVERE WEATHER
Fire and natural hazards
Protect your furniture, clothing and electronic devices against damage caused by fire, lightning, flooding or storms, depending on the cover in your policy.
LEAKS & SEEPAGE
Water damage
A leaking pipe or an overflowing washing machine? Household contents insurance can cover damage to your belongings caused by water, depending on the cause of the loss and the terms of your policy.
THEFT AT HOME & AWAY
Theft and burglary
Burglary, theft with forced entry or simple theft away from home: protect your personal belongings, including when you are travelling, with the right cover.
BREAKAGE & ACCIDENTS
Glass breakage and accidental damage
Windows, mirrors, glass furniture or electronic devices: certain additional covers protect your belongings against breakage and accidental damage.
ARE YOUR BELONGINGS REALLY INSURED AT THEIR TRUE VALUE?
Price, value of belongings, underinsurance, excess and cancellation: find the answers to the key questions to help you choose your household contents insurance in Switzerland.
ALL ABOUT HOUSEHOLD CONTENTS INSURANCE IN SWITZERLAND
Is household contents insurance compulsory in Switzerland?
Household contents insurance is not compulsory in most Swiss cantons. However, some cantons require insurance against fire and natural hazards for movable property. Even where it is optional, it is strongly recommended in order to protect your personal belongings against loss or damage.
How much does household contents insurance cost in Switzerland?
The price of household contents insurance depends in particular on the value of the insured belongings, where you live, the cover you choose and the excess. Premiums vary from one insurer to another. Comparing household contents policies helps you find cover suited to your home and your budget.
How do you calculate the value of your belongings for household contents insurance?
Insurers generally offer an estimate of the sum insured based on the number of rooms, the make-up of the household and how well the home is furnished. It is important to align this amount with the actual replacement value of your furniture, clothing, electronic devices and other personal belongings in order to avoid underinsurance.
What is the difference between household contents insurance and personal liability insurance?
Household contents insurance protects your own belongings against insured risks such as fire, theft or water damage. Personal liability insurance (RC) covers the financial consequences of certain damage you cause to third parties. These are two separate types of insurance, even though they are often offered together.
Does household contents insurance cover theft away from home?
Yes, if your policy includes cover for simple theft away from home. This cover can protect certain personal belongings stolen while you are out and about or travelling. Compensation limits, excesses and exclusions vary from insurer to insurer. Losing an item is generally not treated as theft.
How do you cancel or switch household contents insurance in Switzerland?
To switch household contents insurance, you must comply with the cancellation conditions and notice periods set out in your policy. Cancellation may also be possible in certain specific situations, in particular at the contractual expiry date or after a claim, depending on the applicable provisions. Before switching, check the cover and the start date of the new policy.