Household contents insurance is voluntary in most Swiss cantons. The cantons of Jura, Nidwalden, Vaud and Fribourg are exceptions.
In Nidwalden and Vaud you are obliged to take out household contents insurance as well as fire and natural forces insurance with the cantonal insurance institution. Hence, in these two cantons Helvetia can offer only household contents insurance for the risks of theft, water damage and glass breakage. Similar compulsory insurance exists for fire and natural forces insurance in Fribourg and Jura, but you are free to choose your own insurer.
Your household contents are insured at the location you specify when you take out the insurance. The relevant items may be located in your home, but also in a garden shed (on the same plot of land) or in the garage. You must conclude a separate household contents insurance policy for holiday apartments or second homes.
Items removed temporarily from your home (but for no longer than one year) are covered worldwide. This applies in cases of damage due to fire or natural forces, theft and water damage.
You must notify us of your change of domicile within 30 days. During the move, your household contents are insured at both locations.
If you move abroad, the insurance lapses automatically at the end of the insurance year. If you prefer, you can cancel it immediately on request.
Couples who set up a joint household can insure their household contents under a joint policy. If each partner has a household contents insurance policy when they move in together and they want to cancel one of the policies, they must observe the contractually agreed notice period.
When you take out joint household contents insurance, make sure you review the sum insured. You may need to adjust the latter in order to avoid underinsurance.
If you work from home and have a designated room there as your office, you can offset the proportional amount of your household contents insurance. To do so, you need to fulfil the following conditions:
Household contents insurance is taken out for a contractually agreed period. It is automatically renewed for a further year at the end of this period unless terminated beforehand by one of the contracting parties, subject to three months’ prior notice.
Termination following adjustment of the premium or deductible
If you do not agree to the amendment to your insurance, you may terminate either the entire contract or the section in question as of the end of the current insurance year.
Termination in the event of a claim
You may terminate your contract following a claim.
Yes, bicycles as well as e-bikes capable of travelling at up to 25 km/h are covered under household contents insurance. To make sure your bike is covered when you are out and about, it is worth taking out two forms of supplementary insurance. The “theft away from home” supplement to household contents insurance provides cover for your bike both at home and elsewhere. Damage to your bicycle or e-bike, e.g. as a result of a fall, is covered under “all risks” supplementary insurance.
E-bikes capable of travelling at more than 25 km/h can be covered under supplementary insurance for motorcycles and e-bikes.
The following applies to cash: in cases of robbery (use of force against people) and burglary (use of force against objects), cash is insured up to an amount of CHF 5,000. In the case of simple theft - when something is stolen without any use of force – money assets are not insured.
The following types of theft are covered under household contents insurance:
Burglary: theft committed by perpetrators forcing their way into a building or a room within a building.
Robbery: theft involving the threat or use of force against a person.
Simple theft: this includes pickpocketing and confidence trickery as well as incidents that cannot be classified as either burglary or robbery.
You are underinsured if the sum insured agreed in the policy is lower than the replacement value of the insured household contents. If a cover shortage of this kind is established, Helvetia can reduce the amount of compensation paid when you make a claim.
The correct sum insured corresponds to the reinstatement value of all insured items. You should therefore answer the following question: How much money would I need to spend today to buy everything I own as new? This value is almost equivalent to your sum insured.
In order to avoid the risk of underinsurance, we further recommend you add on a buffer of around 10% to the calculated sum insured. You can also avoid being
underinsured if you regularly review your sum insured and adjust it for any major new purchases.
Helvetia household contents insurance covers your personal property, i.e. including jewellery, against fire, theft and water damage. However, compensation limits apply to each of these types of cover. If you lose an item of jewellery or it is damaged, it is not covered under the above insurance. This is a gap in cover that could cost you dearly.
Valuables insurance provides additional cover for the destruction, damage or loss of your jewellery.
Children who are away studying during the week and return home at weekends are covered in full under family insurance – provided they are specified in the policy.