Zurich – Contents and personal liability insurance

Below you can find information on the home contents and personal liability insurance offered by Zurich. It is divided into product characteristics, information about the insurance company, customer satisfaction and forum posts.


Products from Zurich

  • Basic (Contents insurance)

    General information

    All policies are 1-year policies. The deductible is waived after three years of no claims (except in the case of damage caused by natural hazards).

    Fire

    Cover includes damage to home contents caused by fire, lightning, explosion and scorching up to CHF 5,000.

    Water

    Cover includes damage to home contents caused by liquids from pipes and systems including aquariums, water beds and other water-conducting devices and equipment.

    Damage due to natural hazards

    Cover includes damage to home contents caused by flooding, storms, hail, avalanches, landslides, etc.

    Theft

    Cover includes damage to home contents due to burglary, robbery, simple theft at home and vandalism. Theft by forcibly breaking into locked motor vehicles is also insured up to CHF 5,000. Insurance for simple theft away from home is optional.

    Extent of cover

    • Maximum cover for theft of jewellery: 20% of the sum insured, up to CHF 30,000 (no limit in the case of robbery or if the jewellery is locked in a safe weighing at least 100 kg or in a safe built into the wall).
    • Maximum cover for cash assets: CHF 5,000. No cover is provided for simple theft.
    • Cover for household goods outside the home (excluding simple theft): 25% of the sum insured, up to CHF 50,000.
    • Cover for entrusted items and guests' belongings: CHF 5,000.
    • Insured costs (such as higher cost of living, debris removal and disposal costs, cost of changing locks, emergency doors, etc.): 10% of the sum insured, but no less than CHF 5,000 per cost type. The sum insured may be increased.

    Deductibles

    The deductible is generally CHF 300, in case of natural hazards CHF 500.

    Specifics

    • In case of underinsurance, benefits are not reduced if the damage is less than 10% of the total sum insured (up to CHF 30,000), except when caused by natural hazards.
    • Policyholders who have a car or life insurance policy with Zurich can benefit from a premium reduction of up to 10%.
    • No-claims bonus (optional): After three years of no claims, you will receive a refund of 15% on the total premiums paid during this period.

    Additional supplementary cover

    • Super theft insurance (including luggage)
    • Glass breakage (glass furniture or all glass)
    • Service package: Home Care Service and card misuse up to CHF 5,000 per card, including blocking service
    • Frozen food
    • Exclusively from your agent: Earthquakes and volcanic eruptions, comprehensive insurance, accidental damage to cultivated areas, and motorcycles and electric motorcycles

  • Premium (Contents insurance)

    General information

    All policies are 1-year policies. The deductible is waived after three years of no claims (except in the case of damage caused by natural hazards).

    Fire

    Cover includes damage to home contents caused by fire, lightning, explosion and scorching up to CHF 5,000.

    Water

    Cover includes damage to home contents caused by liquids from pipes and systems including aquariums, water beds and other water-conducting devices and equipment.

    Damage due to natural hazards

    Cover includes damage to home contents caused by flooding, storms, hail, avalanches, landslides, etc.

    Theft

    Cover includes damage to home contents due to burglary, robbery, simple theft at home and vandalism. Theft by forcibly breaking into locked motor vehicles is also insured up to CHF 5,000. Insurance for simple theft away from home is optional.

    Extent of cover

    • Maximum cover for theft of jewellery: 20% of the sum insured, up to CHF 30,000 (no limit in the case of robbery or if the jewellery is locked in a safe weighing at least 100 kg or in a safe built into the wall).
    • Maximum cover for cash assets: CHF 5,000. No cover is provided for simple theft.
    • Cover for household goods outside the home (excluding simple theft): 25% of the sum insured, up to CHF 50,000.
    • Cover for entrusted items and guests' belongings: CHF 5,000.
    • Insured costs (such as higher cost of living, debris removal and disposal costs, cost of changing locks, emergency doors, etc.): 10% of the sum insured, but no less than CHF 5,000 per cost type. The sum insured may be increased.

    Deductibles

    The deductible is generally CHF 200, CHF 0 for glass breakage and CHF 500 for natural hazards.

    Specifics

    • In case of underinsurance, benefits are not reduced if the damage is less than 10% of the total sum insured (up to CHF 30,000), except when caused by natural hazards.
    • Policyholders who have a car or life insurance policy with Zurich can benefit from a premium reduction of up to 10%.
    • No-claims bonus (optional): After three years of no claims, you will receive a refund of 15% on the total premiums paid during this period.

    Additional supplementary cover

    • Super theft insurance (including luggage)
    • Service package: Home Care Service and misuse of customer cards, credit and debit cards, and SIM cards up to CHF 5,000 including blocking service
    • Frozen food
    • Exclusively from your agent: Earthquakes and volcanic eruptions, comprehensive insurance, accidental damage to cultivated areas, and motorcycles and electric motorcycles

  • Basic (Personal liability insurance)

      General information

      Depending on the policy, the insurance applies to the policyholder alone (as an individual) or the policyholder along with any persons living in the same household (family insurance).

      Cover for children

      Children living in the same household as the policyholder are also covered, irrespective of their age and employment status.

      Conditions applying to third-party vehicles

      • Basic insurance cover: Bonus loss and deductible (if any) of liability insurance for damage arising from the use of third-party vehicles.
      • Optional supplementary insurance cover (not possible in the basic product): Damage through the use of third-party vehicles with a total weight of up to 3,500 kg, including trailers, motorcycles and boats (collision damage).

      Conditions applying to property

      • The insurance covers policyholders’ liability as owner-occupiers of apartments on a condominium basis, as owner-occupiers of non-commercial properties having a maximum of 3 apartments, and as owners of holiday homes.
      • Principal's liability is included for conversions, extensions and renovations up to a construction sum of CHF 200,000.

      Deductibles

      • Generally CHF 300 (including for tenancy claims; is only charged once per move)

      Additional supplementary cover

      • Waiver of gross negligence
      • Damage arising through the use of third-party vehicles with a total weight of up to 3,500 kg, including trailers, motorcycles and boats
      • Exclusively from your agent: insurance for horse renters, hunters and sideline activities with a gross annual income of CHF 6,000 and over

  • Premium (Personal liability insurance)

      General information

      Depending on the policy, the insurance applies to the policyholder alone (as an individual) or the policyholder along with any persons living in the same household (family insurance).

      Cover for children

      Children living in the same household as the policyholder are also covered, irrespective of their age and employment status.

      Conditions applying to third-party vehicles

      • Basic insurance cover: Bonus loss and deductible (if any) of liability insurance for damage arising from the use of third-party vehicles.
      • Optional supplemental insurance cover: Damage through the use of third-party vehicles with a total weight of up to 3,500 kg, including trailers, motorcycles and boats (collision damage).

      Conditions applying to property

      • The insurance covers policyholders’ liability as owner-occupiers of apartments on a condominium basis, as owner-occupiers of non-commercial properties having a maximum of 3 apartments, and as owners of holiday homes.
      • Principal's liability is included for conversions, extensions and renovations up to a construction sum of CHF 200,000.

      Deductibles

      • Usually CHF 200 (including for tenancy claims; is only charged once per move); with supplemental insurance, damage arising through the use of third-party vehicles with a total weight of up to 3,500 kg: CHF 500

      Additional supplementary cover

      • Waiver of gross negligence
      • Exclusively from your agent: insurance for horse renters, hunters and sideline activities with a gross annual income of CHF 6,000 and over


Customer satisfaction with Zurich

5.4 Competence and commitment of employees

5.2 Comprehensibility and clarity of customer information

5.3 Insurer's availability

4.8 Satisfaction with amount of premium

5.6 Handling of claims

5.2 Overall rating

Information about the insurance company

Insurer
Zurich Insurance Company Ltd
Head office
Zurich

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