A great combination.
Our household insurance.

Your living room gets flooded. Your attic goes up in flames after a lightning strike. Burglars strip your cellar bare. In all of these cases, our household contents insurance will step in and indemnify you for your damaged or stolen property. The following specific loss types are insured:

• Fire and natural hazard damage
• Water damage
• Theft
• Glass breakage
• Earthquake

Household contents cover is one of the two pillars of our household insurance. Need more protection? No problem. Our household contents all risks cover is available for household contents sums insured of CHF 50,000 or higher. 

If you combine your household contents insurance with an additional option, you can benefit from a 10% combined discount.

A passer-by slips and falls over in front of the door to your house. When you move out of your apartment, your landlord discovers some deep scratches on the parquet flooring that go beyond normal wear and tear. Personal liability insurance generally steps in when you injure somebody or damage something accidentally. For instance, if you hit your neighbour's window rather than the goal when playing football or scratch somebody else's car with your bike. It is valid worldwide and for everyone living in the same household – even your pets.

Liability losses can be particularly expensive when people are affected. Our personal liability cover at least takes part of the financial worries off your mind. It is the second pillar of our household insurance.

Your grandma's diamond ring or your uncle's collector's watch. Some items are particularly dear to us, and also particularly expensive. Our valuables insurance covers everything that is important to you, such as:

• Valuable watches and jewellery
• Expensive sports equipment
• Musical instruments
• High-value technical equipment
• Hearing aids
  

It covers the cost of losses resulting from theft, destruction and damage. Additional insurance can be taken out for loss and disappearance and theft from locked vehicles.

Not only do the burglars ransack your home – they also break your front door. Or a burst pipe floods the whole building. Our buildings insurance will pay for the loss. It is especially worthwhile for home-owners, as an addition to their household insurance.

As a general rule, it covers everything that is permanently installed in the building. For example, it will pay costs resulting from:

• Cracks in your panorama windows
• Water damage to the walls
• Fire damage to doors and floors

A water pipe is blocked. Your heating stops working. Wasps have made themselves at home in your attic. Our home protection cover is the ideal addition to household contents and liability insurance, offering all kinds of extra protection and benefits for you and your home – including in the event of an emergency – such as:

• Guarantee extensions for household appliances
• Pipe cleaning and plumbing services
• Locksmiths
• Removal of pests and vermin
• Childcare and animal boarding facilities in an emergency

The trousers you bought online never reach you. You discover some unusual items on your credit card bill. Revealing photos of your teenage child are circulating on social networks.
Our cyber protection package not only insures your purchases; it also protects your personal rights. As an extension to our household insurance, the cyber protection package covers:

• Compensation for damage or destruction as well as failure to deliver or incorrect delivery of goods ordered
• Compensation for misuse of cards
• Legal protection in the event of violations of your personal rights and identity fraud on the Internet 
• Malware removal and data restoration
• Deletion of defamatory content on the Internet

Your ride comes to a sudden end when your bike breaks down. The engine in your e-bike goes on strike during your commute to work. Our bicycle assistance package provides rapid assistance in the event of breakdowns and accidents with bikes, e-bikes and e-scooters, including authorised child trailers. Bicycle assistance can be taken out together with our household insurance or separately and includes the following services:

• We will organise repairs at your location and pay for the costs incurred.
• If your bike cannot be repaired on the spot, we will arrange and pay for it to be transported to a repair workshop of your choice in Switzerland.
• If the repair work cannot be completed on the same day, we will organise your home or onward journey.