Grandparents Monica and Martin have a holiday house in the mountains. To ensure they are safe from nasty surprises, they have optimum insurance for themselves and their home.
You want to know your investment in your own home or holiday house is secure. A storm or a broken water pipe can make your house temporarily uninhabitable. Fortunately, the buildings insurance pays for the damage.
Monica and Martin are aware that faults in or at a house can cause injury to guests or passers-by. A falling roof tile, an icy forecourt or old and damaged steps can cause serious accidents. The costs of bodily injury or property damage are covered by the building owner's liability insurance. At the same time, it protects the couple against unfounded third-party claims. For the owners of owner-occupied homes, no separate building owner's liability insurance is necessary if they already have private liability insurance.
The additional «building all risks» element complements the insurance coverage for your own home. The supplement covers further unforeseen and sudden damages from external forces such as malicious damage, animal bites, collisions between vehicles or all possible types of damage to your domestic installations.
A storm, flood or landslide can cause terrible damage to your home and the building surroundings. Claudia and Christian therefore have buildings insurance to protect them against damage caused to their property by natural forces. Their pretty landscaped garden with the new garden shed and the patio are now perfectly protected against damage.
For many years Monica and Martin have felt thoroughly at home in their small but select holiday house. They have lovingly furnished the little house and they have grown very fond of many of the items of furniture over the years. They are concerned that these things could be damaged or even destroyed by fire or water, and every time they visit, they hope that they won't find any items of furniture missing due to a burglary. The couple protect themselves from the financial consequences of such risks with the household contents insurance.
Over the years, Monica and Martin have procured more and more items of furniture. It's only if the sum insured is adjusted to the value of the furnishings that they are optimally insured. This way they are protected from cover shortages in case of a claim.
Glass items of furniture are particularly delicate. A small crack in the display cabinet or the glass table, damage to the window or the wash basin – and now what? Protect yourself from the financial consequences with the supplementary cover for «glass breakage» as part of the household contents insurance.
Wedding rings, an expensive necklace, works of art or an antique: Valuables insurance offers added security for the particularly valuable and expensive objects in your household. It perfectly complements Monica and Martin's household contents insurance, because it provides additional cover against the risk of all kinds of damage and loss.
Is your existing due to mortgage expire? The mortgage financing from Helvetia is secure, flexible and affordable. Monica and Martin get detailed information and are convinced by our attractive interest conditions and fixed mortgages.
Photovoltaic systems stand for sustainable power generation. Installing a system is expensive, but worthwhile. Protect yourself from possible damages to the system and any loss of income associated with them with the photovoltaic insurance. Or integrate the finished system into your existing buildings insurance – with the «buildings all risks» supplement.