This question asks you to state how luxurious your furnishings are:
A building is considered solid if less than 1/3 of the building is made of wood. The exterior walls and the roof are decisive.
In cities you can assume there is a hydrant available within a distance of 100 metres, even if it is not in plain sight.
The sum specified in the insurance policy, which becomes due when the insured event occurs. The proposed sum insured is calculated based on the number of rooms, the standard of furnishings and the number of persons living in the household.
The basic household contents include fitments (furniture, curtains, etc.), household machines, crockery, bedding, clothes and shoes, comestible goods as well as personal objects that are brought by guests (i.e. guests' belongings).
The calculation of the basic household contents(at original value) is based on the number of rooms, the standard of furnishings and the number of persons living in the household. In case of special furnishing, it is recommended to adjust the sum insured accordingly. The total value of the objects concerned (basic and supplementary household contents) can be assessed with the home contents calculator.
Objects that do not belong to the basic household contents or that have an above-average value are considered supplementary household contents. They include notably:
Works of art
Valuables/jewellery (if not separately insured)
Please enter only the total value of devices (e.g. TV, video equipment, DVD equipment, radio, hi-fi system, CDs and DVDs, toys, books, musical instruments, etc.) with above-average value.
Please enter only the total value of items (e.g. Photo, film and video equipment, PC (hardware and software), hobby workshop (tools, machines), model making, garden furniture/gardening tools, pets, uniforms, camping equipment, sporting equipment, skis, bikes, etc. (except motor vehicles)) with above-average value.
Please enter the total value of your works of art and antiques (e.g. antiques, sculptures, valuable carpets, silverware, etc.).
Please enter the total value of your collections (e.g. stamps, minerals, weapons, tin, etc.). Coins and medals are considered monetary values and can generally be insured up to a maximum of CHF 20,000.
Please indicate only what is not separately insured. You need a separate insurance endorsement for jewellery worth more than CHF 20,000.
Please enter the total value of other items with above-average value:
Wine cellar, comestible goods, beverages, fuel, leased and rented items, etc.
Constructional items and machines (installed or acquired by the tenant – e.g. washing machine, refrigerator, dishwasher, laundry dryer – and not insured with the building)
Chattel buildings such as garden sheds or greenhouses
Glass breakage coverage is part of contents insurance and includes breakage of furniture glass and/or building glass. Building glass includes, for example:
Furniture glass includes all glass surfaces on furniture and wall mirrors. You therefore only have to insure furniture glass if you own glass cabinets, glass tables or an aquarium, etc.
Tenants do not need building glass insurance. This also applies to supplementary insurance for washbasins etc. House owners, on the other hand, should include this coverage as well because they own the building glass.
Tenants do not have to insure this. House owners, on the other hand, own the building glass and should include this coverage as well. Building glass includes:
Insurance cover for personal items stolen outside one's own four walls, such as bicycle, snowboard or notebook.
These items are generally insured at their current value. In the event of damage, this insurance supplement covers the price you would pay to purchase the same item new.
Maximum sum insured per claim.
For individuals who sometimes (not regularly) borrow a friend's or colleague's car. Benefits cover for example:
Optional. Your address is required to activate the service and e-mail you the reminder in time.