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Helvetia Hausratversicherung

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.
Round-the-clock assistance guaranteed 365 days a year
Fast claims payment after successful claim check
Up to 20% combination discount

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.
Get up to 20% combined discount

Benefit from an attractive combination discount when you take out multiple products at the same time.

Increase your cover to give you the extra protection you need.

Simple theft away from the home

Your mobile phone is stolen on the train? With this supplementary insurance, we pay for your stolen items.

Household contents «all risks»

Covers your household contents against all types of loss or damage. For example, if your mobile phone breaks or you arrive at your destination without your luggage.

Elettronica d'intrattenimento all risks

Proteggete il vostro smartphone, tablet e notebook contro all risks.
Copre per esempio le spese nel caso in cui il vostro cellulare si rompa.

Bicycles and e-bikes up to 25 km/h: all risks

Provides your e-bike with additional cover for loss or damage of all kinds. For example, if your bike is damaged in a fall.

Motorized bicycles up to 45 km/h

Protects e-bikes or mopeds from 25 km/h against theft, loss, or any kind of damage.

Air and water sports equipment: all risks+

With this add-on, drones and model aircraft under 25 kg, hang gliders such as
paragliders and delta gliders, parachutes, as well as kite-surfing equipment are also insured against basic household contents risks and damage.

Visual aids and hearing aids: all risks

With our supplementary cover, you can also insure your sunglasses or glasses (standard or prescription), contact lenses or hearing aid against all risks.

Bicycles and e-bikes up to 25 km/h: simple theft away from home

A thief steals your e-bike while you are taking a short breather in a restaurant on your tour. With this supplementary insurance, we pay for the loss.

Special valuables

For your personal valuables with an individual value of up to CHF 5,000.

Warranty extension

Our insurance allows you to extend the warranty by a further 3 years – for all electronic devices in the home, with a minimum value of CHF 300.

Cyber

Insures you against losses you incur as a result of using the internet, such as credit card misuse, identity fraud, online shopping and much more besides.

Earthquakes

Your household contents are also insured in the event of an earthquake or volcanic eruption.

Building surroundings

You can, of course, also insure your plants, apiaries or summer houses and the swimming pool on your property.

Our services.

Have you lost your keys and cannot get into your home? Or is a wasps’ nest causing you trouble? Our services make your everyday life easier.

Premium waiver

If you are unable to work, you no longer have to pay insurance premiums, but do continue to enjoy full insurance cover.

Waiver of gross negligence

In the event of your gross negligence, we do not reduce the benefits you are entitled to.

Home Assistance

On your behalf, we assume the cost of workmen’s services, removing wasps’, hornets’ or bees’ nests, measures taken immediately in the event of a technical defect and security services.

Locksmith service

We have all experienced it: all of a sudden, the key is gone and you cannot get into your home. We organize a workman for you.

Card blocking service

If you lose your SIM, debit or credit card, we take care of having it blocked.

Legal advice

Our independent legal service – Coop Rechtsschutz - advises you on all legal queries and legal disputes.

Psychological follow-up support

We will assist you after a traumatic event, such as a break-in, and will arrange for support from the right expert.

Update guarantee

We always settle your claim in accordance with the latest insurance terms that are best for you.

youniverse

Under 27 years of age?

Helvetia YOUniverse bietet den optimalen Versicherungsschutz ganz nach Ihren Bedürfnissen at particularly attractive premiums.
Go to Helvetia YOUniverse
Go to Helvetia YOUniverse

No small print: when does a household contents insurance policy pay out, and when does it not?

Your insurance pays out if ...

… 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.

...your household contents insurance pays if you have supplementary household contents «all risks» cover, for example, and your bicycle or mobile phone is destroyed or damaged due to an unforeseen event.

Your insurance does not pay out if ...

… 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.

Your questions. Our answers.

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Downloads & links
STI – household contents and personal liability [PDF, 426 kB]
STI – mutual provisions [PDF, 281 kB]
Brochure – household contents and personal liability [PDF, 958 kB]
Brochure – services [PDF, 480 kB]