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Household contents insurance
Your household contents are not just things, but they include your favourite sofa, favourite suit or favourite bike. With Helvetia household contents insurance, these are ideally insured.
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Household contents insurance from CHF 10 a month
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Key service included
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Household contents insured at replacement value
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Up to 20% combination discount
Overview of household contents insurance
With household contents insurance, you insure the items in your household at replacement value. Your household is thus ideally insured in the event of damage caused by fire, water or natural forces, burglary or glass breakage.
A brief guide to household contents insurance
What is household contents insurance?
Basic insurance
Helvetia household contents insurance covers you in the event of damage to your household contents and valuables as a result of fire or damage by natural forces, theft, water inside the building or glass breakage affecting buildings and furniture.
Your household contents and valuables are also insured at their replacement value outside of the home (up to 20% of the agreed household contents sum insured, min. CHF 10,000).Also covered are guest effects and items entrusted to you, as well as the costs of clearing up the site of damage or additional living expenses arising in connection with the occurrence of insured damage.
Additional insurances
Household contents all risks
Household contents such as smartphones, bicycles, luggage, camera equipment, laptops or sports equipment are insured against damage.
Theft away from the home
Your household contents are insured against theft without use of force away from your permanent place of residence too (bicycle, electrical appliances, luggage, sports equipment, etc.).
Motorcycles and e-bikes
Covers damage to motorcycles and e-bikes (with yellow registration plate, 25 km/h or faster) in the event of damage, destruction, theft and robbery or other loss.
Animal insurance
Veterinary treatment for pets (dogs, cats, horses and other pets)
Special risks jewellery
Jewellery items are insured against destruction, damage or loss at home and away up to a value of CHF 20,000. The value of the individual jewellery items must not exceed CHF 4,000.
Building surroundings
We can include your building surroundings (plants, summer houses, swimming pool) in your household contents with an additional insurance.
What is insurance at replacement value?
Your household contents are insured at their replacement value. This means that no impairment occurs due to age, use or wear at the time of loss.
What is meant by “key service included”?
If access to your place of residence is impossible, the costs for opening the doors, attaching an emergency lock and the conclusive repair of damage are free of premiums up to CHF 1,000.
Are follow-up costs also insured?
Yes, necessary follow-up costs that accrue in direct connection with an insured loss arising are also covered – for example clearing debris from the damage site or additional living expenses.
Combined discount for household contents insurance
Combine household contents insurance with private liability, travel, legal protection or buildings insurance and get a discount of up to 20%.
Calculate premium now
Calculate a premium that is just as individual as your household contents. Take out your household contents policy online in just a few easy steps.
Claim - What is considered household contents that is insured in the event of a claim?
The household contents include all movable, personal property, i.e. all the things you own and which you can take with you if you move house. The household contents belong to the policyholder or persons living in the same household. Examples of household contents include furniture, items of clothing, electronic devices, cash, jewellery, watches, paintings (valuables insurance and/or art insurance is recommended for more expensive items), bikes, pets or personal items belonging to guests.
Household contents - Where is my household contents insured?
Your household contents are insured in the location you have entered in your insurance contract, or that is listed in your policy. The items may be in your home, but also in a shed (on the same plot) or in the garage. A separate household contents insurance policy must be concluded for holiday apartments or second homes.
In addition, your items that are temporarily (not longer than one year) located away from your home are insured worldwide. This applies to damage caused by fire, natural forces, theft (burglary and robbery) and water.
Underinsured - What is meant by «underinsured» or «cover shortage»?
You are underinsured if the sum insured that has been agreed in the policy is lower than the replacement value of the insured household contents. If you find yourself with a cover shortage, Helvetia can reduce the compensation sum in case of a claim (including with partial damages).
The following tips will help you to avoid underinsurance and thus a reduction in case of a claim:
- Be sure to check regularly whether your sum insured corresponds to the current replacement value of your insured items. You can do this quickly and easily using our online check or with the help of an advisor.
- When you do so, you should calculate a reserve for future new purchases of around ten per cent.
