What is household insurance?
Household insurance protects your beloved belongings in your home. In the event of dangers such as fire, water, tap water, storms, hail and other natural and elemental hazards, you will be financially supported by household contents insurance.
Burglary, robbery and vandalism are also covered by household contents insurance. You also have the option of also insuring glass damage, building and furniture glass. A big advantage of this is that some insurance companies do not charge gross negligence. For you, this means that damage caused by your carelessness, such as a forgotten candle, does not lead to a reduction in compensation.
What does household contents insurance cover?
In the event of a claim, household contents insurance provides financial compensation for damaged, destroyed or stolen household goods. Depending on the scope of insurance, costs for temporary accommodation or clean-up work can also be covered. The insurance covers damage caused by fire, burglary, theft, vandalism, storm, mains water and other insured risks.
What does home insurance cover?
Household contents insurance covers damage to your household contents, such as water damage, theft, glass breakage or fire up to the agreed sum insured. To get even more protection, you can supplement your contents insurance with additional options.
Home contents insurance basic coverage
All moveable items in your home are covered if:
- by fire (e.g. fire, smoke, lightning or explosion)
- due to elementary events (e.g. high water, flooding, storm or hail)
- through water (e.g. if liquid leaks from pipes, systems, aquariums or water beds)
- Burglary (someone breaks into your home by force)
- Robbery (someone forcibly takes possessions from you)
- Theft (without the use of force)
Insured sum: In the event of a claim, so that your insurance company pays for the entire loss, it is important that you choose the right sum insured. It must be noted that the sum insured corresponds to the value of the furnishings. Otherwise, only the insured amount will be covered in the event of underinsurance. Normally, the limit is between 30,000 and 200,000 francs.
Deductible: The deductible is the amount that you personally have to pay before the insurance company pays for you financially. If the damage is more than your selected deductible, the insurance will pay the excess amount for you.
Furniture glass
Furniture glass is furniture that has an integrated glass, such as a glass table, a wall mirror, display glass or glass in cupboards. However, windows or the glass door of the apartment are not included. It is very important to know that depending on the insurance company, specific exclusions apply. For example, hollow glass (e.g. vases and aquariums) is not insured. Lamps, eyeglass lenses, drinking glasses, hand mirrors or light bulbs are also not covered financially by household contents insurance.
Theft away from home
The simple theft away from home is an important additional benefit in household contents insurance. Thefts that happen outside your home are also covered by household contents insurance.
For example: You go swimming at the lake, put your mobile phone under the towel and then go swimming. When you come back , you find that your phone has been stolen. Important to know: Losing or misplacing your item is not theft and is not insured in this case.
House contents insurance
In household contents insurance there is also the option of a so-called household contents insurance. House contents insurance extends the insurance cover of conventional household contents insurance to include additional risks such as glass damage or damage to technical devices such as televisions or computers. A household contents insurance can therefore be useful to expand the insurance cover and to protect yourself against further possible claims.
Home Assistance
Home Assistance offers you extensive services so that the damage that has occurred is repaired as quickly as possible, or so that you are as safe as possible after a claim.
This includes: Immediate help with problems with plumbing, heating and pipes, immediate help from a locksmith, carpenter or similar, hotel accommodation, transport, storage of your furniture, removal of bee, wasp and hornet nests, and various telephone information.
How do I take out household contents insurance?
You can compare household contents insurance and take out online insurance in three steps.
- Information on insured persons: Enter the basic data relevant to the offer.
- Results in comparison: Compare home contents insurance premiums and benefits and select the right home contents insurance for you.
- Submit the application online: Enter personal details and contact details. Your identity will be verified with an SMS.
Is household contents insurance compulsory?
In order to switch household contents insurance, you must first take out a new insurance policy and submit the cancellation of the old insurance policy. It is important to note the exact notice periods and conditions in order to ensure uninterrupted insurance coverage.
How to find the cheapest home insurance deal
In order to find the cheapest home insurance offer, you should compare different insurance providers and pay particular attention to the conditions and benefits. It may be useful to also consider individual insurance packages that are tailored to your own needs and requirements.
What are application documents for household contents insurance?
The application documents for household contents insurance may vary depending on the insurance provider. As a rule, however, personal details must be provided and information about the household effects must be given.
How is home contents insurance calculated?
The calculation of household contents insurance depends on various factors, such as the living space, the value of the household contents, the location of the apartment or house and the desired scope of insurance. The higher the value of the household contents and the more comprehensive the insurance cover, the higher the insurance premiums are, as a rule.
Who can take out household contents insurance?
In principle, anyone who leads their own household can take out household contents insurance. This can be both owners and tenants of apartments or houses.
What are the benefits of household contents insurance?
Contents insurance offers the advantage that, in the event of damage, financial compensation is paid for damaged or stolen household items. Depending on the scope, the insurance can also cover the costs of temporary accommodation or clean-up work, thus minimizing the financial burden of damage.
What risks does household contents insurance cover?
Household contents insurance typically covers damage caused by fire, burglary, theft, vandalism, storms, mains water and other insured risks. However, damage caused by events such as earthquakes, war or nuclear energy is not generally insured.
In which situations is home contents insurance not valid?
As a rule, household contents insurance is not valid if the damage was caused intentionally or if the policyholder acted with gross negligence. In addition, the insurance can also lose its validity if the damage is not reported in due time or if obligations in the insurance contract are breached.
What is the best and cheapest home insurance?
There is no one-size-fits-all answer to the question of what is the best and cheapest home insurance, as everyone's needs and requirements are different. However, it is advisable to compare different offers, paying particular attention to the conditions and services, in order to find the best value for money.
How do I cancel home contents insurance?
Home contents insurance can usually be canceled in writing by letter or e-mail. It is important to note the notice period and the exact terms of termination in the insurance contract. With our "Household contents insurance cancellation" you can create the cancellation form online and download it free of charge.
How to change home insurance?
In order to switch household contents insurance, you must first take out a new insurance policy and submit the cancellation of the old insurance policy. It is important to note the exact notice periods and conditions in order to ensure uninterrupted insurance coverage.
The best household contents insurance in Switzerland
Switzerland's best household contents insurance provides excellent protection against financial risks. These insurance companies offer excellent benefits and conditions that allow customers to be fully protected.
FaQ: Frequently asked questions about household insurance
All persons who live permanently in the same household as the policyholder are also insured under the personal liability insurance.
In most cantons, household insurance is a voluntary additional benefit. Exceptions are the cantons of Nidwalden, Vaud, Fribourg and Jura. In these cantons, household contents insurance is mandatory.
You can determine your desired insurance start date yourself. The insurance start date is also shown on your policy. However, it is important that you have already paid the initial premium.