Household contents insurance. Home is where you feel safe and secure.
Protects your personal items, such such as your furniture, your clothes, your mobile phone or your cherished bike with Helvetia household contents insurance.
The benefits we offer you
Whether it be water damage, a fire in the home or a break-in – household contents insurance covers damage to your personal belongings. All the movables inside your four walls are insured at reinstatement value.
Helvetia pays if:
-
a fire destroys your home furnishings.
-
as a result of a storm, water penetrates your building and damages your property.
-
due to a burst pipe, liquids or gas leak out and damage your household contents.
-
your glass items of furniture such as tabletops, glass cabinets or mirrors are damaged.
-
your home is broken into and items are stolen.
-
you are threatened and robbed.
No small print: when does a household contents insurance policy pay out, and when does it not?
… you suffer damage to or the loss of your household contents as a result of insured events. For example, a fire in the home, a lightning strike or water damage.
… you are broken into and lose your possession or are robbed with the use of force.
… insured water damage causes further damage to occur, such as a build-up of mould or pests.
… you have the supplementary ‘household contents all risks’ cover, for example, and your bicycle or mobile phone is stolen while you are out and about.
… losses arise as a result of unpredictable events such as war, terrorism, internal unrest or nuclear disasters.
… household contents used commercially or professionally are damaged.
… you damage your household contents intentionally.