Zurich contents and personal liability 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 400, in case of simple theft away from home CHF 300 (optional) and 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)

• Frozen food

• comprehensive cover for electronic devices

• Exclusively from your agent: Earthquakes and volcanic eruptions, accidental damage to cultivated areas, motorcycles and electric motorcycles, Cyber – Safe Shop & Pay, Cyber – Safe Surf, rental and shared vehicles, Home Assistance

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 400, 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)

• Frozen food

• comprehensive cover for electronic devices

• Exclusively from your agent: Earthquakes and volcanic eruptions, accidental damage to cultivated areas, motorcycles and electric motorcycles, Cyber – Safe Shop & Pay, Cyber – Safe Surf, rental and shared vehicles, Home Assistance

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)

• Frozen food

• comprehensive cover for electronic devices

• Exclusively from your agent: Earthquakes and volcanic eruptions, accidental damage to cultivated areas, motorcycles and electric motorcycles, Cyber – Safe Shop & Pay, Cyber – Safe Surf, rental and shared vehicles, Home Assistance

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 500 (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

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 300 (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

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