Household contents insurance

Basic insurance

Household contents insurance covers all movable property in your home at replacement value. This applies in the event of fire or natural forces, burglary, robbery, water inside the building or glass breakage. Theft within your home is also insured.

Supplementary insurance

Household contents all risks
This extension covers your entire household contents for all types of loss or damage. This includes smartphones, bicycles, e-bikes capable of speeds up to 25 km/h, luggage, sports equipment, laptops, etc.

Simple theft away from home
Outside your permanent dwelling your household contents are insured against theft not involving the use of violence.

Motorized bicycles and e-bikes
Covers damage to motorized bicycles and e-bikes capable of speeds of 25 km/h or faster in the event of damage, destruction, theft and robbery or other loss.

Special valuables
The insurance covers valuables with an individual value of up to CHF 20,000. The value at the time when the contract is taken out is the decisive factor.

Warranty extension
Warranties on all electronic devices in the home can be extended by three years from the expiry of the manufacturer's warranty. The insurance covers devices with a minimum value of CHF 300.

Cyber
Cyber cover insures you against damage arising from use of the Internet. Examples include credit card misuse and identity theft, as well as online shopping, etc.

Pet insurance
The insurance covers veterinary treatment for pets (dogs, cats, horses and other pets).

Earthquake
Your household contents are insured against earthquakes and volcanic eruptions.

Area around the building
You can include the area around your building (plants, summerhouses, swimming pool) in your household contents as a supplement.

Please note: Some services can only be taken out with your client advisor.

Use our online tool to calculate the correct sum insured for your household contents: If your sum insured is less than the effective replacement value, you are underinsured. This results in unwelcome reductions in the event of a claim.

Your household contents are insured at replacement value. This means that at the time of the claim, no impairment is applied to take account of age, use or wear and tear.

Yes. Necessary follow-up costs incurred directly in connection with the occurrence of an insured loss are also insured – for example, for cleaning up at the site where the loss occurred or for additional living expenses.

24/7 assistance: Helvetia provides you with round-the-clock assistance 365 days a year.

48h claims payment: Helvetia guarantees claims payment within 48h following a successful claims review.

Helvetia offers a comprehensive range of services. The full package can be booked online for just CHF 14. However, it is also possible to add selected services only. When combined with private liability insurance, travel and legal protection insurance, the services apply to all products and only need to be taken out once.

Waiver of premiums: In the event of earning disability, you will benefit from a waiver of insurance premiums until the agreed end of the contract. However, you will continue to benefit from insurance cover.

Waiver of gross negligence: Helvetia waives its right to a reduction in benefits in the event of grossly negligent conduct.

Home Assistance: Helvetia will assume the task of providing a trade service, organizing construction management, removing wasps', hornets' and bees' nests, taking immediate measures in the event of a technical defect and organizing a security guard service.

Locksmith service: If you unexpectedly find yourself unable to gain access to your home, Helvetia will organize a tradesperson to provide access.

Card blocking service: At your request, Helvetia can block lost credit and debit cards as well as SIM cards.

Legal advice: Legal advice for all legal disputes is provided by the independent legal service of Coop Rechtsschutz.

Psychological follow-up support: Helvetia will pay for the cost of psychological support provided by a qualified doctor, psychologist or psychiatrist after an insured event.