In the process, Nina and Nico are careful not to forget to arrange the right insurance coverage so that they can sit back and relax with a clear conscience after a job well done.
Finally moving into the new apartment! The new furniture is assembled, the kitchen is fitted and the television is ready for that first movie night. At this point no one wants to be thinking that the furnishings could be damaged or even destroyed by a fire or water, not to mention the fact that the recently purchased furnishings could be stolen in a burglary. Nina and Nico protect themselves from this and other risks with the household contents insurance.
The value of your household furnishings can quickly add up to tens of thousands of francs – even if they are just of a basic standard (this also includes sports equipment, clothing and electrical appliances). You are only properly covered if your sum insured matches the value of your furnishings and fittings. Since there are now two of you, the value of your furniture is likely to increase. Avoid cover shortages or reductions in case of a claim by reviewing your sum insured and adjusting it where necessary with the household contents check.
Nico and Nina unintentionally damage third-party property or injure somebody, or Nina's dog «Jack» bites the postman. Private liability insurance protects you from the financial consequences. So it's good to know that they are both protected with this insurance, which even covers them worldwide.
Protect your snowboard, bike, smartphone, laptop or luggage against damage, destruction or theft even when out and about. This way, you won't find yourself without your skis or your luggage when you're on your skiing holiday. With the additional insurance cover of «all risks» and «simple theft out-and-about» as part of the household contents insurance, you are always on the safe side.
Glass items of furniture are particularly delicate. A small crack in the cabinet or the glass table – and now what? Protect yourself from the financial consequences with the supplementary cover for «glass breakage» as part of the household contents insurance.
Differences of opinion with the neighbours or tenants are unfortunately sometimes unavoidable and can quickly end in a legal dispute – even if you are not at fault. Legal fees and court costs can often be substantial here. In situations like this, you need legal advice and financial support. Nina doesn't want to be caught out by complex legal jargon and therefore opted for the legal support of Helvetia. With the legal protection insurance, you too can stay on the safe side.
You need not miss out on your dream apartment just because you cannot afford the deposit. For tenants, we offer the security deposit insurance, a useful alternative to the traditional security deposit account (rental deposit) offered by banks. This way, you can use the money for the move and for furnishing your new pad.
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