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.
Helvetia's household contents insurance covers the following types of theft:
Theft by perpetrators who forcibly enter a building or a room in a building or break open a container therein.
Theft under threat or use of violence against persons as well as theft from persons unable to resist as a result of death, unconsciousness or accident.
Theft that is not deemed to be burglary or robbery, including pick-pocketing and confidence tricks (cash is not insured here).
No. The basic coverage not only insures the household contents, but also covers the costs that can be incurred in case of a claim. These include any clean-up costs, costs for replacing locks, additional living expenses, emergency glazing/doors, costs of emergency blocking or replacement (e.g. of ID cards or bank cards) as well as psychological support after the event. The basic coverage includes 20% of the sum insured or at least CHF 10,000 in costs.
Household contents insurance can almost always be concluded. In reality though, a few special cases apply: in the cantons of Nidwalden and Vaud there is an obligation to take out insurance with the cantonal insurance association (monopoly) for household contents insurance for damages caused by fire and natural forces. Hence, in these two cantons Helvetia can only offer household contents insurance for the risks of theft, water and glass breakage.
Household contents insurance can be concluded in Switzerland, the Principality of Liechtenstein and in the enclaves of Büsingen and Campione.
You will need to 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 automatically expires at the end of the insurance year or on request.
The correct sum insured corresponds to the value as new 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 your sum insured.
In order to prevent the risk of being underinsured, however, we recommend that you add on a reserve (approx. 10%) to the determined sum insured. You can also avoid being underinsured if you regularly review your sum insured and adjust it for any bigger new purchases.
We also recommend that homeowners conclude a building surroundings insurance so that their possessions are fully insured in case of natural disasters.
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).
Yes, with the household contents insurance your damaged household contents will be replaced at the value as new.
The garden shed on the same plot can be insured through the «building surroundings» additional insurance as a supplement to the buildings insurance. The contents of the garden shed is included in the normal household contents insurance, i.e. it must be calculated as part of the overall sum insured for the household contents.
If the garden shed is not on the same plot, a separate insurance must be concluded for it.
Watches worth up to CHF 4,000.00 are insured under the normal household contents insurance and must therefore be calculated as part of the sum insured under the normal household contents. With the «special risks jewellery» supplementary cover (the maximum value of an individual item of jewellery is CHF 4,000.00), this watch can also be additionally insured against: theft and robbery, unforeseen and sudden destruction and damage of any kind, plus loss of any kind.
For watches worth over CHF 4,000.00, we recommend a valuables insurance policy. The scope of cover in the valuables insurance is identical to the scope of cover of the «special risks jewellery» additional insurance.
Yes. You can insure your luggage with the supplementary cover «simple theft out-and-about». If you want to insure your luggage additionally against damage and loss during transportation, you need to conclude the supplementary cover for«household contents all risks». With both supplementary covers, you have full insurance coverage for your luggage.
It's worth concluding multiple insurance policies with Helvetia. With the following products, you can benefit from attractive combination discounts:
If you opt for at least two of these five products, you will get a discount of five per cent. If you conclude all five products, the discount rises to twenty per cent.
The Helvetia household contents insurance covers your personal property, i.e. including jewellery, against fire, theft and water damage. However, there are limits on benefits for damages under this coverage.
If you lose an item of jewellery or it is damaged, it is not insured through the above-mentioned benefits. This represents a gap in cover, which could cost you dearly.
With the «special risks jewellery» additional insurance you can insure your jewellery against destruction, damage and loss. The value of the individual items of jewellery may not exceed CHF 4,000.00 and the total value per claim must not amount to more than CHF 20,000.00.
If you own valuable jewellery, it's worth concluding a separate valuables insurance policy. Here it's important that the sum insured corresponds to the current replacement value. We recommend that you regularly have any valuable items valued by an expert so that you can adapt your policy accordingly and thus avoid a cover shortage or being underinsured. The items covered under the valuables insurance are listed in the policy, which gives you a good overview.
In traditional valuables or jewellery insurance, each insured object is listed individually and assigned a sum insured. The sum insured is generally established on the basis of original proof of purchase and recognised certificates. With older items of jewellery in particular, for example inherited items, professional estimates are obtained.
In the case of an insured total loss, the insurance company will provide compensation to the value you would have to pay to purchase an identical item on the day of the loss. The compensation will never exceed the agreed sum insured for the damages to the affected item, however. There are times when the price of gold rises sharply and therefore the price of gold jewellery soars too. For many years however, watches from the upper and top price segments have also seen an increase in value.
If you want to avoid any unpleasant surprises in case of a claim, we advise you to periodically review the items covered by your valuables insurance with the help of an expert (jeweller) and incorporate a security reserve on top of the current repurchase price for potential future price rises. If the prices of your valuables subsequently shift in the other direction, you can of course also effect an appropriate reduction in the agreed sum insured.
Source: Swiss Insurance Association, SIA
Depending on the requirements of the policyholder, the Helvetia combined household contents insurance can include a combination of the following five elements of insurance:
With the household contents insurance you as a tenant or homeowner can insure all the mobile items in your household at their value as new. This means furniture, clothes and electronic devices, etc. are optimally insured in case of damage due to fire, water or natural forces (hail, avalanche, snow pressure, falling rocks, landslides) or burglary.
With the private liability insurance you can insure yourself and everybody who lives with you in a shared household against legal liability claims by third parties. This means you are insured, for example, if you or your children accidentally damage property belonging to third parties or if you injure another person.
With the Assistance insurance you can protect yourself against unforeseen situations. Cancellation costs insurance covers the costs, for example, if you or someone close to you is unable to take a trip due to illness, accident or death. The motor vehicle Assistance insurance covers the costs of breakdown recovery, towing services or recovery of the vehicle as well as search for and rescue of passengers following an accident.
The Assistance for persons covers the costs for search, salvage and rescue services or the additional costs for transportation, meals and accommodation if a trip has to be extended.
With the legal expenses insurance, you can protect yourself in case of legal disputes. It includes comprehensive private legal expenses insurance and legal expenses insurance for motorists whereby you can choose your own legal representation. The legal expenses insurance is offered by Helvetia in cooperation with the independent partner Coop Rechtsschutz.
With the buildings insurance, you can protect yourself against the financial consequences of damage to your residential property (single family house, condominium apartment). You are insured, for example, against damage due to fire, water and natural forces. Should third parties be damaged by defects on your property, the building's liability insurance covers the claims by the aggrieved parties and protects you from any financial consequences.
It's worth concluding a combination insurance, as this way you benefit from attractive combination discounts. If you opt for at least two of these five products, you will get a discount of five per cent. If you conclude all five products, the discount rises to twenty per cent.
As part-time residents your children – where named in the policy – are fully covered by the family insurance.
In the household contents insurance all the people (spouse/partner, children) living in the joint household with the policyholder (you as the payer of the premium) are insured.
The private liability covers children up to their twentieth birthday. However, the policy also includes the additional insurance for «children over 20 years». Thus, children still living in a joint household with you are covered with no age restriction.
For your son, who is not yet 25, we would recommend concluding the Helvetia youth insurance. As long as he is living in a joint household, his private liability is premium-free. What's more, he also benefits from very attractive «youth premiums» for the household contents, Assistance (travel insurance, breakdown assistance with motor vehicles) and legal expenses insurance.