Swiss Mobiliar – Contents and personal liability insurance

Fire
Additional cover against damage to home contents due to scorching caused by cooking or heating fire or other sources of heat; up to CHF 5000. Loss or damage caused by crashing aircraft and spacecraft 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 outside the home (optional cover for up to CHF 1000).

Water
Cover includes damage to home contents caused by:

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

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

Payment limits

• Cover for monetary values (excluding simple theft): up to CHF 1000
• Cover for jewellery in case of simple theft at home and burglary: up to CHF 1000
• Cover for expenses for changing locks, emergency repair of broken glass, emergency door, 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
• Damage to frozen food due to an accidental thawing of the freezer is not covered
• 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).

Specifics

• All home contents are insured at their original value
• Contents insurance automatically includes 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 until the age of 26

• Free packing boxes for your next move

Fire
Cover also includes damage to home contents due to scorching caused by cooking or heating fire or other sources of heat; up to CHF 5000. Loss or damage caused by crashing aircraft and spacecraft 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 2000).

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

• Furniture glass (optional lump-sum cover), broken glass panes, acrylic glass or glass-like materials on movable items 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.

Extent of cover

• Cover for monetary values (excluding simple theft): up to CHF 5000
• 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 door, clearing and disposal, replacement of documents such as IDs, passports, credit cards: up to 20% of the sum insured under contents insurance, at least CHF 10,000
• Damage to frozen food due to an accidental thawing of the freezer is not covered
• Optional cover for damaged and lost luggage available (sum insured: CHF 2000)

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)

Specifics

• All home contents are insured at their original value
• Contents insurance automatically includes 24-hour emergency service, for example in case of lost door keys, broken heating or air conditioning, etc., lost traveller checks, cash, bank cards or Swiss Post cards and credit cards, for pest control, the removal of wasps', hornets' and bees' nests, etc.
• Personal legal protection insurance for safeguarding one's 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.)
• 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.

Advantages for young people up to age 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 and worldwide support in case of an emergency while travelling

Conditions applying to third-party vehicles

• Occasional use, up to 24 days per year
• Third-party vehicles up to 3.5 t (including motorcycles and scooters)

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

• driver
• a learner driver's legally required supervisor

Basic insurance covers:

• bonus loss of motor vehicle liability insurance



Conditions applying to real estate

The insurance covers the policyholder's liability as:

• a tenant of self-occupied residential buildings, living quarters and jointly used parts of buildings
• renters of hotel rooms and holiday homes
• renters or owners of mobile homes or non-registered caravans that have a permanent location
• owners of self-occupied property including premises with a maximum of three living units
• in the case of freehold flats (condos), the part exceeding the amount guaranteed by the owners' association's liability insurance is covered
• principal's liability for renovations up to a construction sum of CHF 200,000
• renters or owners of undeveloped property such as allotments, forest, etc. up to 1000 m2



Coverage for children

• Individual insurance also includes minor children that stay with the policyholder on a temporary basis
• In the case of family insurance, coverage includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and and that they live in the same household as the policyholder either permanently or as a weekly resident regularly returning to the shared household. Apprenticeship or a student's side job are not considered gainful employment



Deductible

• CHF 400 per claim

Specifics

• Coverage includes self-employed secondary gainful activities, provided the gross annual income does not exceed CHF 20,000

Conditions applying to third-party vehicles

• Occasional use, up to 24 days per year
• Third-party vehicles up to 3.5 t (including motorcycles and scooters)

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

• driver
• a learner driver's legally required supervisor

Basic insurance covers:

• bonus loss of 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 real estate

The insurance covers the policyholder's liability as:

• a tenant of self-occupied residential buildings, living quarters and jointly used parts of buildings
• renters of hotel rooms and holiday homes
• renters or owners of mobile homes or non-registered caravans that have a permanent location
• owners of self-occupied property including premises with a maximum of three living units
• in the case of freehold flats (condos), the part exceeding the amount guaranteed by the owners' association's liability insurance is covered
• principal's liability for renovations up to a construction sum of CHF 200,000
• renters or owners of undeveloped property such as allotments, forest, etc. up to 1000 m2



Coverage for children

• Individual insurance also includes minor children that stay with the policyholder on a temporary basis
• In the case of family insurance, coverage includes children (including adopted children, stepchildren and foster children), provided they are not gainfully employed and and that they live in the same household as the policyholder either permanently or as a weekly resident regularly returning to the shared household. Apprenticeship or a student's side job are not considered gainful employment



Deductibles

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

Specifics

• Coverage includes self-employed secondary gainful activities, provided the gross annual income does not exceed CHF 20,000