House Contents All Risk Insurance

Your household contents are insured against loss, damage and/or destruction. In contrast to traditional insurance policies, the All Risk insurance does not only cover certain risks. It goes one step further and uncompromisingly covers all damage that is not expressly excluded. As a result, you enjoy all-round protection and can do without many additional insurance policies. For example, sports equipment and laptops are also insured against external damage, such as being dropped. In normal household contents insurance, an additional household/electrical damage insurance is needed for comprehensive protection of such devices. Play it safe with the All Risk insurance.

Do you like beautiful design classics and expensive watches? Then don't leave anything to chance. The All Risk insurance offers comprehensive protection so that you can enjoy your life without worrying. Household Contents All Risk insurance is suitable for all those who have upmarket household goods. From a sum insured of 150,000 Swiss francs, you can choose uncompromising All Risk protection.

Household contents are covered by both insurance products. The difference, however, is that the All Risk insurance is aimed at customers with upmarket household contents, and the cover is more comprehensive than with conventional household contents insurance. This means many additional insurance products are no longer needed.

All Risk insurance focuses on what is really important to you: cover of damage to the contents of your household. Even if this happened because of a mishap, it will be paid for.

The deductible is at least CHF 200 per event.

You no longer need separate bicycle insurance. 

With valuables, on the other hand, the situation is different: With household contents, for example, jewelery is only insured up to 20% of the selected sum insured (up to a maximum of CHF 30,000) in the event of theft, unless it is stored in a walled-in safe, for example. If your jewelery is worth more, it's advisable to take out a separate valuables insurance policy, which allows you to insure individual items specifically and for higher sums.

Yes, the Household Contents All Risk insurance also pay if you lose something. For example, if the diamond in your wedding ring comes loose from the setting and the stone is lost, we will pay for the damage (within the scope of the indemnity limit for jewelery).

Yes, the Household Contents All Risk insurance also covers so-called own damage. 

Yes, there is. For wealthy customers, there is the Exclusive All Risk insurance. This is an offer that complements the All Risk household contents and valuables insurance optimally. You benefit from a customized insurance solution as well as individual advice from our experts. For sums insured of CHF 500,000 or more for household contents and CHF 250,000 or more for valuables, you can ask our experts to assist you.

Yes, pet accidents are covered. We will cover all of the medical costs. However, costs arising from illnesses are not insured.