Household insurance. Combined protection for you and your home.
Household contents insurance in short
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:
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a fire destroys your home furnishings.
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as a result of a storm, water penetrates your building and damages your property.
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due to a burst pipe, liquids or gas leak out and damage your household contents.
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your glass items of furniture such as tabletops, glass cabinets or mirrors are damaged.
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your home is broken into and items are stolen.
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you are threatened and robbed.
Personal liability insurance in short
Personal liability insurance provides you with financial cover for any losses caused by yourself – whether through injury to people or damage to property. This means you can relax and do not have to think about the costs incurred in the event of losses or minor acts of carelessness. Helvetia also assists you when contesting unfounded liability claims.
Helvetia provides support, if:
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you scratch the parquet floor of your rented apartment.
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you collide with and injure another person while on your bicycle. spill wine on your friends’ sofa.
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you spill wine on your friends’ sofa.
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your children break the neighbor's window while playing football.
No small print: when does a household insurance policy pay out, and when does it not?
… your property is damaged by a fire in your home. (Household contents)
… you accidentally lose, damage or destroy items owned by third parties. (Personal liability)
… your home is broken into and your jewellery is stolen or you are robbed with the use of force. (Household contents)
… you accidentally injure another person or persons. (Personal liability)
… your bicycle or mobile phone is stolen while you are away from home. (Supplementary “simple theft away from home”)
… third parties file unfounded compensation claims against you and you incur defence costs. (Personal liability)
… a storm floods your cellar and your property is damaged or if other damage such as fungus or pests is caused as the result of water damage. (Household contents)
… 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 deliberately cause losses or intentionally commit an offence.