Swiss Mobiliar – Contents and personal liability insurance

Fire
Includes additional cover against damage to home contents due to scorching caused by cooking or heating fire or other sources of heat; up to CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (optional cover for up to CHF 1,000).

Water
Cover includes damage to home contents caused by:

• water leaking from pipes, installations and connected appliances that serve the building at the insured address
• water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers
• rain, snowmelt and glacial meltwater
• groundwater, surface runoff or backwater from the drainage system

Glass breakage
Broken glass panes, acrylic glass or glass-like materials cannot be insured.

Limitations of cover

• Cover for high-value contents (excluding simple theft): up to CHF 1,000
• Cover for jewellery in case of simple theft at home and burglary: up to CHF 1,000
• Cover for expenses for changing locks, emergency repair of broken glass, emergency doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20 per cent of the sum insured under contents insurance, at least CHF 10,000
• Cover excludes damage to frozen food due to accidental thawing of a freezer
• Skis and bicycles are not included in the cover against simple theft away from home
• Damaged and lost luggage cannot be insured

Deductibles
The deductible is generally CHF 400 (CHF 500 for natural hazards).

Other points to note

• All home contents are insured at their original value.
• Waiver of the right to reduce benefits in the event of gross negligence is included in basic home contents cover.
• Access to a digital legal guide containing useful articles, factsheets, templates and checklists
• Contents insurance automatically includes a 24-hour emergency service, for example in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller checks, cash, bank or Swiss Post cards and credit cards, for pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Free packing boxes for your next move

Fire
Includes additional cover against damage to home contents due to scorching caused by cooking or heating fire or other sources of heat; up to CHF 5,000. Loss or damage caused by an aircraft or spacecraft crash is also included.

Theft
Burglary, robbery and simple theft at home. Any vehicle that was broken into or cases of pickpocketing and theft by trickery are considered simple theft away from home (optional cover for up to CHF 2,000).

Water
Cover includes damage to home contents caused by:

• water leaking from pipes, installations and connected appliances that serve the building at the insured address
• water leaking from fish tanks, ornamental fountains, waterbeds and air humidifiers
• rain, snowmelt and meltwater
• groundwater, surface runoff or backwater from the drainage system

Glass breakage

• Furniture glass (optional lump-sum cover), broken glass panes, acrylic glass or glass-like materials on movable household goods in inhabited living quarters
• Building glass (optional lump-sum cover), broken glass panes, acrylic glass or glass-like materials that are firmly attached to the building. This includes ceramic hobs, kitchen worktops, coverings in bathrooms and around fireplaces, sinks, wash basins, bath tubs, dome lights, glass parts of solar panels and photovoltaic systems etc.
• Consequential and complementary damage (glazing) to home contents and, if you are a building owner, to the insured building.

Limitations of cover

• Cover for high-value contents (excluding simple theft): up to CHF 5,000
• Cover for jewellery in case of simple theft at home and burglary: up to CHF 30,000
• Cover for expenses for changing locks, emergency repair of broken glass, emergency doors, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20 per cent of the sum insured under contents insurance, at least CHF 10,000
• Cover excludes damage to frozen food due to accidental thawing of a freezer
• Optional cover for damaged and lost luggage available (sum insured: CHF 2,000)
• Consequential and complementary damage (glazing): CHF 5,000 per claim

Deductibles

• The deductible for the "Privatpersonen” (private individuals) option is generally CHF 200 (CHF 500 for natural hazards)
• The deductible for the "Jeunes" (young people up to age 26) option is generally CHF 100 (CHF 500 for natural hazards)

Other points to note

• All home contents are insured at their replacement value.
• Basic home contents cover includes damage to or destruction of contents caused by subtenants (e.g. Airbnb guests), psychological counselling required as a consequence of an insured event, and the waiver of the right to reduce benefits in the event of gross negligence.
• You can also include a cyber risk package in your insurance. It provides support in the event of data loss (cost of data recovery), infringements of personality rights (reputation management, legal protection and psychological counselling), breaches of copyright, plus misuse with respect to online payments and transactions (legal protection and residual financial loss). It also includes 100 GB of data storage in a high-security online data safe. There is also the option of searching the Internet and darknet for personal data and having this data deleted.
• Personal legal protection insurance for safeguarding legal interests in cases pertaining to contract law is automatically included. (Example: if a coffee machine that is still under guarantee is not repaired free of charge or if the hotel is far from being in line with the information in the travel brochure, etc.)
• Access to a digital legal guide containing useful articles, factsheets, templates and checklists
• Contents insurance automatically includes a 24-hour emergency service, for example in case of lost apartment keys, broken heating or air conditioning, etc., lost traveller checks, cash, bank or Swiss Post cards and credit cards, for pest control, the removal of wasps', hornets' and bees' nests etc.

Advantages for young people up to the age of 26

• Reduced deductible of CHF 100 instead of CHF 200
• Free packing boxes for your next move
• Includes 24-hour personal assistance for hassle-free round-the-clock support worldwide in case of an emergency while travelling

Conditions applying to third-party vehicles

• Occasional use, up to 35 days per year
• Third-party vehicles up to a total weight of 3.5 tons



Policyholder is insured against claims in his/her capacity as:

• Driver
• Legally required supervisor of a learner driver



Basic insurance covers:

• Bonus loss in motor vehicle liability insurance



Conditions applying to residential property
The insurance covers the policyholder's liability as:

• A tenant of self-occupied residential buildings, living quarters and communal areas
• A renter of hotel rooms and holiday homes
• A renter or owner of mobile homes or non-registered caravans that have a permanent location
• An owner of self-occupied property including premises with a maximum of three living units
• Condominium owners: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.
• Builders: liability insurance for conversion work costing up to CHF  200,000
• Renters or owners of undeveloped land such as allotments, forest, etc. up to 1,000 m²



Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis.
• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment.



Deductible

• CHF 400 per claim



Other points to note

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 20,000.
• Waiver of the right to reduce benefits in the event of gross negligence is included in basic personal liability cover.

Conditions applying to third-party vehicles

• Occasional use, up to 35 days per year
• Third-party vehicles up to a total weight of 3.5 tons



Policyholder is insured against claims in his/her capacity as:

• Driver
• Legally required supervisor of a learner driver



Basic insurance covers:

• Bonus loss in motor vehicle liability insurance
• Damage to the driven vehicle due to an accident (insofar as this is not covered under full casco insurance)
• Bonus loss and deductible of full casco insurance



Conditions applying to residential property
The insurance covers the policyholder's liability as:

• A tenant of self-occupied residential buildings, living quarters and communal areas
• A renter of hotel rooms and holiday homes
• A renter or owner of mobile homes or non-registered caravans that have a permanent location
• An owner of self-occupied property including premises with a maximum of three living units
• Condominium owners: in this case, the part exceeding the amount guaranteed by the owners' association's liability insurance is covered.
• Builders: liability insurance for conversion work costing up to CHF  200,000
• Renters or owners of undeveloped land such as allotments, forest, etc. up to 1,000m²



Cover for children

• Individual insurance also includes minor children staying with the policyholder on a temporary basis
• In the case of family insurance, cover includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and either live permanently in the same household as the policyholder or return there regularly as a weekly resident. Apprenticeships and part-time student jobs are not considered gainful employment.



Deductibles

• The deductible for the "Privatpersonen" (private individuals) option is generally CHF 200
• The deductible for the "Jeunes" (young people up to 26 years of age) option is generally CHF 100



Other points to note

• Self-employed secondary occupations are covered, provided the gross annual income does not exceed CHF 20,000.
• Basic personal liability cover includes a waiver of the right to reduce benefits in the event of gross negligence, as well as protection in the event of a third party having no personal liability cover.
• Access to a digital legal guide containing useful articles, factsheets, templates and checklists.