Basic Principle
Contents insurance covers damage to personal belongings in the holder's home. Basic insurance provides protection for damage caused by fire, natural forces, water and theft in the home. Additional insurance may be concluded for glass breakage and theft occurring outside of the home.
Fire
Covers damage caused by fire, smoke, lightning, explosions or implosions.
Natural forces
Covers damage caused by raised water levels, floods, storms, hail, cascading rocks, landslides, avalanches and pressure under masses of snow. Retention is CHF 500.- per incident.
Water damage
Protection is provided for:
Damage caused by water and similar fluids from pipes, appliances, installation, aquariums, water beds, fountains, rainwater, snow, melted ice, outside drain pipes, roofs, gutters or tailbacks from waste canalisations.
Protection is not provided:
Damage caused by open skylights or windows, emergency roofs or roof holes due to construction.
Theft
Damage caused by breaking and entering, robbery, simple and attempted theft in the home. All providers offer additional insurance for simple theft occurring outside the home.
Glass breakage
Additional insurance available from most providers.
Insurance may cover:
Glass breakage to building and furniture glass. Coverage provided by each insurer is listed below.
Tenants should only insure what actually belongs to them and therefore do not require insurance for building glass. This also applies to additional insurance for washbasins, toilets, bidets, ceramic cooking surfaces and other kitchen surfaces made of natural or artificial stone.
Homeowners, however, must cover costs for building glass themselves and should therefore include protection for such damage in their insurance.
Extent of coverage
The extent of coverage for basic insurance most often varies depending on the provider, which is why details are listed separately.
