Baloise contents and personal liability insurance

Fire
Coverage also includes scorching as well as damage caused by the crash of an aircraft or spacecraft up to the total insurance sum.

Water
Coverage also includes damage caused by leaking from heating systems, heat recovery plants, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors or skylights.

Limitation of benefits

• Coverage of jewellery: up to CHF 20,000

• Coverage of glass breakage (building and furnishing glass): up to CHF 5,000

• Coverage of cash values: up to CHF 5,000

• Coverage in case of simple theft away from home: up to CHF 5,000

• The provider waives a reduction of benefits in case of underinsurance for claims up to CHF 5,000. No reductions for first risk protection

• Covers expenses (emergency exits, hotel bills etc.) of up to 30% of the sum insured

• The above-mentioned amounts of coverage may be increased upon request

Deductibles
The deductible is CHF 500; no deductible applies for glass breakage.

Specifics

• All items are insured at their original value.

• Coverage limits may be raised upon request.

• Includes coverage of entrusted, leased and rented items and guests' belongings.

Theft
Coverage also includes pickpocketing and damage due to walk-in theft or vandalism during (attempted) theft.
If simple theft away from home is insured, loss of or damage to baggage is included provided the items were in the custody of a transport or travel company or damaged in a car accident.

**Glass breakage
**Furniture glass:
Coverage includes furniture glass as well as stone tabletops.

Building glass:
Coverage includes: breakage of glass belonging to buildings, ceramic hobs, solar panels, kitchen work benches of stone, dome lights and sanitary fittings made of glass, plastic, ceramic, porcelain or stone (sinks, wash basins, toilets, bidets, etc.), façade and wall panels of glass.

Fire
Coverage also includes scorching as well as damage caused by the crash of an aircraft or spacecraft up to the total insurance sum.

Water
Coverage also includes damage caused by leaking from heating systems, heat recovery plants, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors or skylights.

Limitation of benefits

• Coverage of jewellery: up to CHF 20,000

• Coverage of glass breakage (building and furnishing glass): up to CHF 5,000

• Coverage of cash values: up to CHF 5,000

• Coverage in case of simple theft away from home: up to CHF 5,000

• The provider waives a reduction of benefits in case of underinsurance for claims up to CHF 5,000. No reductions for first risk protection

• Covers expenses (emergency exits, hotel bills etc.) of up to 30% of the sum insured

• The above-mentioned amounts of coverage may be increased upon request

Deductibles
The deductible is CHF 500; no deductible applies for glass breakage.

Specifics

• All items are insured at their original value.

• Coverage limits may be raised upon request.

• Includes coverage of entrusted, leased and rented items and guests' belongings.

Theft
Coverage also includes pickpocketing and damage due to walk-in theft or vandalism during (attempted) theft.
If simple theft away from home is insured, loss of or damage to baggage is included provided the items were in the custody of a transport or travel company or damaged in a car accident.

**Glass breakage
**Furniture glass:
Coverage includes furniture glass as well as stone tabletops.

Building glass:
Coverage includes: breakage of glass belonging to buildings, ceramic hobs, solar panels, kitchen work benches of stone, dome lights and sanitary fittings made of glass, plastic, ceramic, porcelain or stone (sinks, wash basins, toilets, bidets, etc.), façade and wall panels of glass.

Fire
Coverage also includes scorching as well as damage caused by the crash of an aircraft or spacecraft up to the total insurance sum.

Water
Coverage also includes damage caused by leaking from heating systems, heat recovery plants, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors or skylights.

Limitation of benefits

• Coverage of jewellery: up to CHF 20,000

• Coverage of glass breakage (building and furnishing glass): up to CHF 5,000

• Coverage of cash values: up to CHF 5,000

• Coverage in case of simple theft away from home: up to CHF 5,000

• The provider waives a reduction of benefits in case of underinsurance for claims up to CHF 5,000. No reductions for first risk protection

• Covers expenses (emergency exits, hotel bills etc.) of up to 30% of the sum insured

• The above-mentioned amounts of coverage may be increased upon request

Deductibles
The deductible is CHF 200 (always CHF 500 in case of natural hazards).

Specifics

• All items are insured at their original value.

• Coverage limits may be raised upon request.

• Includes coverage of entrusted, leased and rented items and guests' belongings.

Theft
Coverage also includes pickpocketing and damage due to walk-in theft or vandalism during (attempted) theft.
If simple theft away from home is insured, loss of or damage to baggage is included provided the items were in the custody of a transport or travel company or damaged in a car accident.

**Glass breakage
**Furniture glass:
Coverage includes furniture glass as well as stone tabletops.

Building glass:
Coverage includes: breakage of glass belonging to buildings, ceramic hobs, solar panels, kitchen work benches of stone, dome lights and sanitary fittings made of glass, plastic, ceramic, porcelain or stone (sinks, wash basins, toilets, bidets, etc.), façade and wall panels of glass.

Fire
Cover also includes scorching damage as well as damage caused by crashing aircraft or spacecraft up to the total sum insured.

Water
Cover also includes damage caused by liquids leaking from heating and heat generation systems, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors and skylights.

Extent of cover

• Cover for simple theft away from home: up to CHF 2,000

• Cover for home contents at the insured location or away from home (excluding simple theft) in the event of damage by fire, theft, water or natural hazards up to CHF 80,000; up to CHF 5,000 for valuables and up to CHF 24,000 for general costs

Deductibles
The deductible is CHF 200 or CHF 500 (always CHF 500 in case of natural hazard losses).

Specifics

• Home contents cannot be insured separately online. Personal liability is automatically insured as well.

• Damage to occasionally used third-party motor vehicles can be insured optionally.

• All items are insured at their original value.

• Excluding driving of third-party motor vehicles.

Theft
Cover also includes pickpocketing and damage due to walk-in theft and vandalism during (attempted) theft up to CHF 2,000.

Terms applicable to third-party motor vehicles
Basic insurance cover:

• Loss of liability insurance bonus.

Cover under supplementary insurance for occasional, non-regular use:

• If the vehicle concerned has fully comprehensive insurance: deductible for fully comprehensive insurance, loss of bonus for fully comprehensive insurance

• If the vehicle concerned does not have fully comprehensive insurance: the repair costs

Deductibles

• For damage caused by tenants: flat rate of CHF 200 per move

• For damage occurring to property in care, custody or control: CHF 200 per incident

• For all other property damage: CHF 200

Conditions applying to third-party vehicles
Basic insurance covers:

• loss of liability insurance bonus.

Supplemental insurance covers (in case of occasional, not regular use):
if the vehicle in question has comprehensive coverage:

• deductible of the comprehensive insurance

• bonus loss of the comprehensive insurance

if the vehicle in question has no comprehensive coverage:

• cost of repair

Conditions applying to real estate

• Cover automatically includes third-party liability for owners of self-occupied buildings (with up to 3 apartments).

• Liability claims resulting from your capacity as owner of a condominium are also covered, complementing any existing homeowners' liability insurance from the homeowners association.

Coverage for children
All persons living in the same household as the holder are included in family insurance.

Deductibles

• For damage caused by tenants: lump sum of CHF 500 when they move out

• For damage occurring to items in care, custody or control: CHF 500 per incident

• For all other material damage: CHF 500

Limitation of benefits

• Principal's liability is included up to a construction sum of CHF 100,000.

Conditions applying to third-party vehicles
Basic insurance covers:

• loss of liability insurance bonus.

Supplemental insurance covers (in case of occasional, not regular use):
if the vehicle in question has comprehensive coverage:

• deductible of the comprehensive insurance

• bonus loss of the comprehensive insurance

if the vehicle in question has no comprehensive coverage:

• cost of repair

Conditions applying to real estate

• Cover automatically includes third-party liability for owners of self-occupied buildings (with up to 3 apartments).

• Liability claims resulting from your capacity as owner of a condominium are also covered, complementing any existing homeowners' liability insurance from the homeowners association.

Coverage for children
All persons living in the same household as the holder are included in family insurance.

Deductibles

• For damage caused by tenants: lump sum of CHF 200 when they move out

• For damage occurring to items in care, custody or control: CHF 200 per incident

• For all other material damage: CHF 200

Limitation of benefits

• Principal's liability is included up to a construction sum of CHF 100,000.

Conditions applying to third-party vehicles
Basic insurance covers:

• loss of liability insurance bonus.

Supplemental insurance covers (in case of occasional, not regular use):
if the vehicle in question has comprehensive coverage:

• deductible of the comprehensive insurance

• bonus loss of the comprehensive insurance

if the vehicle in question has no comprehensive coverage:

• cost of repair

Conditions applying to real estate

• Cover automatically includes third-party liability for owners of self-occupied buildings (with up to 3 apartments).

• Liability claims resulting from your capacity as owner of a condominium are also covered, complementing any existing homeowners' liability insurance from the homeowners association.

Coverage for children
All persons living in the same household as the holder are included in family insurance.

Deductibles

• For damage caused by tenants: lump sum of CHF 200 when they move out

• For damage occurring to items in care, custody or control: CHF 200 per incident

• For all other material damage: CHF 200

Limitation of benefits

• Principal's liability is included up to a construction sum of CHF 100,000.

Terms applicable to third-party motor vehicles
Basic insurance cover:

• Loss of liability insurance bonus.

Deductibles

• For damage caused by tenants: flat rate of CHF 200 per move

• For damage occurring to property in care, custody or control: CHF 200 per incident

• For all other property damage: CHF 200

Fire
Cover also includes scorching damage as well as damage caused by crashing aircraft or spacecraft up to the total sum insured.

Water
Cover also includes damage caused by liquids leaking from heating and heat generation systems, fuel tanks and cooling systems as well as rain, snow or melt water seeping in through closed windows, doors and skylights.

Extent of cover

• Cover for simple theft away from home: up to CHF 2,000

• Cover for home contents at the insured location or away from home (excluding simple theft) in the event of damage by fire, theft, water or natural hazards up to CHF 80,000; up to CHF 5,000 for valuables and up to CHF 24,000 for general costs

Deductibles
The deductible is CHF 200 or CHF 500 (always CHF 500 in case of natural hazard losses).

Specifics

• Home contents cannot be insured separately online. Personal liability is automatically insured as well.

• Damage to occasionally used third-party motor vehicles can be insured optionally.

• All items are insured at their original value.

• Including driving of third-party motor vehicles.

Theft
Cover also includes pickpocketing and damage due to walk-in theft and vandalism during (attempted) theft up to CHF 2,000.