With our flexible household contents insurance (property insurance), you can insure the movables in your household at their replacement value as a tenant or property owner. In the event of fire or water damage or damage caused by natural forces (flooding, storm or hail), burglaries or glass breakage, your household is perfectly insured.
In the customer satisfaction survey carried out by the comparison services Comparis.ch and Bonus.ch in 2017, Helvetia household contents insurance gets top marks again. Helvetia is particularly convincing when it comes to claims settlement.
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.
We also insure your household contents against damage occurring outside the home, e.g. luggage, photographic equipment, laptops or sports equipment. In addition, we insure your foodstuffs (frozen products), which become spoiled as a result of the unforeseen failure of your freezer.
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.).
Fast e-bikes (>25 km/h) are insured against destruction and loss.
Veterinary treatment of pets
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.
We can include your building surroundings (plants, summer houses, swimming pool) in your household contents with an additional insurance.
You return to Switzerland after going on holiday and realise to your horror that your house or apartment is in a complete mess. In your absence someone has broken in, systematically searched all the rooms for valuables and damaged some of the furniture. The burglars have stolen computers, TVs, racing bikes and some jewellery.
The Summer family is watching TV on a Saturday evening. Afterwards, they switch the TV to stand-by and go to bed. Due to a fault, the TV overheats and starts to burn. The fire in a corner of the living room quickly spreads.
Luckily the Summers wake up and can escape outside unscathed. The fire brigade brings the fire under control quickly, but a large part of the living room furniture is destroyed. However, the damage caused by smoke is even greater.
An initial estimate is around CHF 50,000. Fortunately, the damage is fully covered by Helvetia’s household contents insurance.
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.
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.
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).