Allianz Suisse contents and personal liability insurance

Fire
Cover also includes:

• Loss or damage due to scorching or electrical damage as well as damage caused by meteorites, crashing and emergency landing of aircraft, spacecraft or satellites (or parts thereof)

Water
Cover also includes:

• Frost damage to water pipes installed by the tenant and to the connected facilities inside the building

• Damage caused by water or other liquids leaking from heating systems, tank systems, aquariums, waterbeds, etc.

• Backwater from wastewater drainage as well as groundwater and water running off slopes

• Cost of water loss due to an insured event

Theft
Cover also includes:

• Robbery, burglary at home and away from home as well as simple theft at home

• Household effects damaged or lost during a move, max. 5,000 francs

• Jewellery up to 20,000 francs

• Simple theft away from home up to 2,000 francs as optional cover

Glass breakage
Cover may include breakage damage of glass or glass substitutes for:

• Furniture glass

• Building glass

• Sinks, washbasins, toilets (including cisterns), bidets, urinals and partition walls

• Consequential and complementary damage from glass damage of up to 5,000 francs

Limitations of cover

• Cover for costs (changing locks, emergency doors, hotel expenses, etc.): up to 10% of the sum insured for home contents (can be increased additionally)

• Cover for monetary values in case of burglary or robbery: up to 5,000 francs (sum insured can be increased depending on form of safekeeping)

• Cover for jewellery: up to 20,000 francs in case of simple theft and burglary (sum insured can be increased to 70,000 francs depending form of safekeeping)

• Cover in case of simple theft away from home up to 2,000 francs (sum insured can be increased to 20,000 francs)

• Cover against loss or damage due to scorching or caused by cooking or heating fire or other sources of heat: 2,000 francs (can be increased to 5,000 francs)

• Cover for electrical damage: 2,000 francs (can be increased to 5,000 francs)

Deductible

• The deductible is 500 francs for damage due to natural hazards and 200 francs for all other damages.

Other points to note

• Apart from items that are no longer in use, all home contents (including bicycles, e-bikes and skis) are insured at replacement value.

• Home contents insurance includes a 24-hour emergency service (up to max. 1,000 francs), a blocking service for customer cards, bank cards, credit cards, etc. and compensation in the event of card fraud (up to max. 5,000 francs per card, but max. 10,000 francs per claim event) and mobile phone misuse (up to max. 300 francs).

• Underinsurance applies from a loss amount of 10% of the sum insured or from 20,000 francs.

Additional cover options

• Luggage (for trips of more than eight hours outside the commune of residence)

• Casco cover for electronic devices and sports equipment against unexpected and sudden damage caused by external forces

• Data recovery on electronic devices (up to max. 2,000 francs possible)

Fire
Cover also includes:

• Loss or damage due to scorching or electrical damage as well as damage caused by meteorites, crashing and emergency landing of aircraft, spacecraft or satellites (or parts thereof)

Water
Cover also includes:

• Frost damage to water pipes installed by the tenant and to the connected facilities inside the building

• Damage caused by water or other liquids leaking from heating systems, tank systems, aquariums, waterbeds, etc.

• Backwater from wastewater drainage as well as groundwater and water running off slopes

• Cost of water loss due to an insured event

Theft
Cover also includes:

• Robbery, burglary at home and away from home as well as simple theft at home

• Household effects damaged or lost during a move, max. 5,000 francs

• Jewellery up to 20,000 francs

Limitations of cover

• Cover for costs (changing locks, emergency doors, hotel expenses, etc.): up to 10% of the sum insured for home contents (can be increased additionally)

• Cover for monetary values in case of burglary or robbery: up to 5,000 francs (sum insured can be increased depending on form of safekeeping)

• Cover for jewellery: up to 20,000 francs in case of simple theft and burglary (sum insured can be increased to 70,000 francs depending form of safekeeping)

• Cover against loss or damage due to scorching or caused by cooking or heating fire or other sources of heat: 2,000 francs (can be increased to 5,000 francs)

• Cover for electrical damage: 2,000 francs (can be increased to 5,000 francs)

Deductible

• The deductible is 500 francs for damage due to natural hazards and 500 francs for all other damages.

Other points to note

• Apart from items that are no longer in use, all home contents (including bicycles, e-bikes and skis) are insured at replacement value.

• Home contents insurance includes a 24-hour emergency service (up to max. 1,000 francs), a blocking service for customer cards, bank cards, credit cards, etc. and compensation in the event of card fraud (up to max. 5,000 francs per card, but max. 10,000 francs per claim event) and mobile phone misuse (up to max. 300 francs).

• Underinsurance applies from a loss amount of 10% of the sum insured or from 20,000 francs.

Additional cover options

• Luggage (for trips of more than eight hours outside the commune of residence)

• Casco cover for electronic devices and sports equipment against unexpected and sudden damage caused by external forces

• Data recovery on electronic devices (up to max. 2,000 francs possible)

What applies to third-party motor vehicles?
Basic insurance cover:

• Damage caused by the occasional, not regular, use of third-party vehicles

• Loss of bonus in liability insurance is insured

• Increase in the liability sum insured for rental cars in other European countries

• For damage caused by the vehicle used: deductible as selected

Supplemental insurance cover:

• Damage to third-party vehicles used occasionally, not regularly

• If full casco insurance has been taken out, the deductible and bonus protection are also included in cover

• Damage to the vehicle used: deductible is 10%, min. 500 francs and max. 5,000 francs.

Conditions applying to residential property

• The insurance covers the policyholder’s liability as an owner of a self-occupied, exclusively residential single-family house, multi-family house containing up to three apartments, condominium, single-family holiday home and/or mobile home in a permanent location

• Undeveloped properties are likewise insured

• Liability as a property developer (up to a construction sum of 100,000 francs)

• Third-party liability for environmental damage

Cover for children
See “Other points to note”

Deductible

• Tenancy claims, damage to property in care, and other property damage: 200 francs per claim event or upon handover of the apartment (as deductible, min. 0 resp. max. 5,000 francs).

Limitations of cover

• Damage caused by children or household members lacking capacity to judge (excluding legal liability) 200,000 francs

• Damage caused by animals (excluding legal liability) 2,000 francs

• Property damage caused during sports activities and games (excluding legal liability) 2,000 francs

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed 10,000 francs

What applies to third-party motor vehicles?
Basic insurance cover:

• Damage caused by the occasional, not regular, use of third-party vehicles

• Loss of bonus in liability insurance is insured

• Increase in the liability sum insured for rental cars in other European countries

• For damage caused by the vehicle used: deductible 500 francs

Conditions applying to residential property

• The insurance covers the policyholder’s liability as an owner of a self-occupied, exclusively residential single-family house, multi-family house containing up to three apartments, condominium, single-family holiday home and/or mobile home in a permanent location

• Undeveloped properties are likewise insured

• Liability as a property developer (up to a construction sum of 100,000 francs)

• Third-party liability for environmental damage

Cover for children
See “Other points to note”

Deductible

• Tenancy claims, damage to property in care, and other property damage: 500 francs per claim event or upon handover of the apartment (as deductible, min. 0 resp. max. 5,000 francs).

Limitations of cover

• Damage caused by children or household members lacking capacity to judge (excluding legal liability) 200,000 francs

• Damage caused by animals (excluding legal liability) 2,000 francs

• Property damage caused during sports activities and games (excluding legal liability) 2,000 francs

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed 10,000 francs