The household insurance covers damages within the amount insured to household effects caused by fire, water, events due to natural forces, theft as well as glass breakage.
Household effects are usually covered at replacement value , however, depending on the insurance company, items which are no longer in use, skis, bicycles or sports equipment is often only covered at current value.
In addition, it also covers costs (usually up to CHF 5,000.-) for things like costs for changing locks, hotel expenses, etc. which can occur in the case of damage.
