Compare contents and personal liability insurance

Information on the building

Type of house

Multi-family house

Single-family house

Floor

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Floor

Choose "Ground floor" even if only part of your apartment is on the ground floor.

Ground floor

1st floor or higher

Nature of ownership

Are the rooms occupied?

Location of the building (postcode, town)

Number of rooms

Living area in m²

Type of construction

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Type of construction

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.

Solid

Not solid, wooden

Hydrant within a distance of 100 m

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Hydrant within a distance of 100 m

In cities you can assume there is a hydrant available within a distance of 100 metres, even if it is not in plain sight.

Yes

Information on household contents

Standard of furnishings

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Standard of furnishings

This question asks you to state how luxurious your furnishings are:

Simple: you do not own any designer furniture or expensive family heirlooms
Average: you have a few pricier pieces of furniture
Luxurious: your home contents are expensive, including designer furniture

Sum insured in CHF

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Sum insured

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.

Piece of advice: Define a rather generous sum since the compensation paid in the event of loss is reduced proportionately in case of underinsurance (i.e. sum insured below real value).

Calculate the sum insured

Glass breakage

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Glass breakage coverage

Glass breakage coverage is part of contents insurance and includes breakage of furniture glass and/or building glass. Building glass includes, for example:

Washbasins
Ceramic hobs
Water closets

Yes

Furniture glass in CHF

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Furniture glass

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.

Washbasins, etc. in CHF

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Washbasins and similar

Tenants do not need building glass insurance. This also applies to supplementary cover for washbasins, etc. House owners, on the other hand, should include this additional cover since they own the building glass.

Building glass in CHF

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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:

Window panes
Washbasins
Ceramic hobs
Water closets

Not insured, however, are:

Hand mirrors
Optical glasses
Glassware
Glass figures
Hollow glass products (except aquariums and glass blocks)
Light fittings

Building glass is double glazing

Yes

Simple theft outside the home in CHF

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Simple theft away from home

Insurance cover for personal items stolen outside one's own four walls, such as bicycle, snowboard or notebook.

Insure bicycles and sporting equipment at original value

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Original value

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.

Yes

Current insurer

Calculate the sum insured

Basic household contents: CHF 0

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Basic household contents

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.

Average standard of furnishings (excluding reserve for new acquisitions)

Supplementary household contents

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Supplementary household contents

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:

Entertainment/electronics
Leisure time/hobby
Works of art
Collections
Valuables/jewellery (if not separately insured)
Other

Entertainment/electronics

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Entertainment / electronics

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.

Leisure/hobby

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Leisure/Hobby

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.

Works of art

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Art objects

Please enter the total value of your works of art and antiques (e.g. antiques, sculptures, valuable carpets, silverware, etc.).

Collections

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Collections

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.

Valuables/jewellery

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Valuables/jewellery

Please indicate only what is not separately insured. You need a separate insurance endorsement for jewellery worth more than CHF 20,000.

Other

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Other

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

Total supplementary household contents: CHF 0

Reserve for future acquisitions (10%)

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Reserve for future acquisitions

To avoid being underinsured even if you make new purchases, you are advised to include a reserve of 10% in your calculations.

Sum insured: CHF 0

(basic household contents plus supplementary household contents and reserve for future acquisitions)

Contents

Personal liability

Contents & personal liability insurance

Insurance information

Insurance information

Home contents and personal liability insurance

Personal information

Personal information

Information on the building

Information on the building

Floor

Type of construction

Hydrant within a distance of 100 m

Information on household contents

Information on household contents

Standard of furnishings

Sum insured

Glass breakage coverage

Furniture glass

Washbasins and similar

Building glass

Simple theft away from home

Original value

Calculate the sum insured

Basic household contents

Supplementary household contents

Entertainment / electronics

Leisure/Hobby

Art objects

Collections

Valuables/jewellery

Other

Reserve for future acquisitions

Personal liability information

Personal liability information

Guaranteed amount

Driving third-party vehicles

Additional questions

Additional questions

Optional: discounts

Optional: discounts

Cancellation reminder

Cancellation reminder

E-mail address for cancellation reminder