A watch, jewellery or a valuable musical instrument: Precious favourite possessions are often expensive valuables. With a valuables insurance policy you can safeguard the financial value of your treasures.
A precious valuable item is not only a personal luxury – it also has a financial value. Additional household contents insurance for special objects of value covers valuable items up to an individual value of CHF 20,000. Valuables insurance supplements your household contents insurance, offering comprehensive coverage for objects of higher value.
You can in principle insure all the objects of value in your possession.
The insurance provides cover in the event of:
The insurance is valid
Please note: Objects with a value in excess of CHF 50,000 must be specially secured or under constant supervision.
In the event of loss or irreparable damage, the replacement value will be paid up to the agreed sum insured. In the event of partial loss or damage, Helvetia will pay financial compensation for the repair, including the cost of replacement parts or any residual loss of value if appropriate.
The CHF 20,000 threshold is key. If the items in your home are worth less then CHF 20,000, a household contents insurance policy with appropriate additional benefits is all you need. If the value of individual valuable items is higher, you will need a valuables insurance policy. And don’t just think about jewellery. A valuable musical instrument such a grand piano can be worth far more than CHF 20,000.
Tip: Combine household contents insurance and valuables insurance. Items of jewellery and watches are protected by your household contents insurance, for example. They are covered for up to 20% of the sum insured in the event of burglary or theft. However, it may be worthwhile insuring individual valuable items separately with a valuables insurance policy, and reducing your household contents sum insured.