Hot coffee on your new laptop? Your expensive wall clock on the floor? Your smartphone in the lake? Things like this are annoying, but there's no need to worry. With our all risks cover, your household contents are well insured all round – with far more benefits than our traditional household contents policies, and less stress.
Our household contents all risks cover.
Play it safe.
THIS IS INCLUDED
Uncompromising protection
Lightning strikes nearby. The neighbour's dog panics and knocks down your child. In the process of falling, your child pulls your expensive Ming vase off the chest of drawers. Who is at fault in this situation? It doesn't matter. Our all risks household contents cover is more than just conventionalhousehold contents insurance. It concentrates on the one thing you are really interested in – paying for the loss, even if you caused it yourself. And it does so up to the defined sum insured.
Good to know:
Our all risks insurance for your household contents is already available from a sum insured of CHF 50,000. It covers unforeseen and sudden damage and destruction caused by external influences, as well as claims involving loss or disappearance.
No question of culpability
Your mind wanders off for a moment and you leave your designer jacket on the train. One excessively enthusiastic gesture, and your glass of expensive red wine lands on the equally expensive carpet. A skilful pickpocket snatches your new smartphone from your handbag. All of these things can happen. And with our household contents all risks insurance, they aren't such a tragedy. All these losses are included in the all risks cover – regardless of whether they were caused by your own carelessness or by someone else. We will replace your designer jacket and your smartphone. And we will cover the cost of the wine and the carpet cleaning service.
No supplementary insurance policies
You get back from holiday only to realise that your suitcase hasn't come with you. You accidentally drop your smartphone and the display smashes. Do you need supplementary insurance for this? No. Your household contents all risks insurance already includes luggage, comprehensive protection for electrical and sports equipment, and much more. It's very straightforward.
Animal accidents included
Your poodle steps on a shard of glass during its morning walk. Your pet cat gets tangled up in a fight with a neighbouring feline and comes home with some deep scratches. Luckily, our household contents all risks insurance also covers accidents suffered by animals. If your cat or dog has an accident, our all risks cover will pay the veterinary fees.
Valuables also covered
Suddenly you notice that your wedding ring is no longer on your finger. Or you discover your grandfather's antique pocket watch in pieces on the floor. Particularly precious valuables require particularly strong protection. For that reason, our all risks insurance also covers your most valuable items.
ADDITIONAL COVERAGES
Art Privat
Do you own valuable artworks or collector's items? Objects like these can be covered by our art insurance, Art Privat.
Buildings insurance
Are you a property owner? Our buildings insurance will cover you against certain types of property damage and liability risks.
Home protection
With our home protection cover, you will benefit from a whole host of assistance services in the event of an emergency.
Your benefits
FAQ
As with traditional household contents policies, all risks insurance applies to everyone living in the same household.
Yes, the all risks insurance also covers insured property that is not currently at your main place of residence – for up to two years worldwide. For household contents that are permanently located in your holiday apartment, you will generally need a separate household contents policy.
Yes, the all risks insurance also covers first-party losses. That is one of its big advantages over traditional household contents policies. Incidentally, this also applies to people who live in the same household as the policyholder. In other words, our household contents all risks cover will pay out not only when you spill coffee on your laptop but also when your child smashes your expensive glass cabinet during a game.
Yes, loss is also insured. If you misplace your keys, for example, and have to have the locks changed in your house, we will even cover these costs.
Yes, our all risks insurance will pay for the replacement of your hob. Even though it probably survived the fall, the saucepan is also insured.
Yes, animal accidents are covered. Veterinary costs incurred due to illnesses are not insured, however.
With our household contents all risks cover, you generally do not need separate valuables insurance. This is because the all risks policy covers jewellery worth up to CHF 20,000 against theft, loss and disappearance. The sum insured can also be increased on payment of a supplementary premium. The limit of CHF 20,000 does not apply if you store your jewellery in a safe that is certified in accordance with the relevant Euro standard, for example. And if it gets damaged – for instance due to being dropped – your jewellery will definitely be covered by our all risks insurance. A separate valuables insurance policy may nevertheless be the best option in special situations, for instance for large collections. Your advisor will be happy to help you find the best solution.
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The optimal insurance for you? Let's find out during a personal appointment.
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As of: end of Q2 2025 / 76 519 pieces of customer feedback
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