Candles create a cosy atmosphere in our living rooms. Unfortunately, they often also cause damage due to fire or smoke. Yes, that can happen. If this is the case, we'll pay the costs of the clean-up, disposal and equivalent replacement of your damaged home contents. In addition, damage caused by lightning is insured if, for example, your television is broken as a result of the lightning strike causing a power surge.

Natural hazard events include hail, storm, high water and flooding. So if a river overflows its banks, causing water to enter your cellar and stain your wardrobe full of winter clothes, we are here to help. We'll pay for the cleaning of your clothes and the disposal and replacement of your wardrobe.

Fortunately, Switzerland has not experienced very many strong earthquakes in recent years. But they are possible and can cause devastating damage. In this case, we'll pay for damage to your home contents that have been damaged, destroyed or lost as a result.

Burglars take advantage of the absence of residents to break into homes. If they steal your beloved watch, your heirloom jewellery or your computer, we'll be there to help. We'll pay for the replacement of the stolen items in the event of burglary. The same applies in the case of simple theft, for example, if your bike or luggage is stolen at the station or your handbag is snatched.

Knowing that burglars have entered your home and rifled through your personal effects can be very unpleasant. That's why we also cover the costs of cleaning your personal effects and your home. If you no longer feel safe in your own four walls despite thorough cleaning, we'll also contribute to the costs of a move. So that you can feel at ease again.

Your claims are covered if, for example, water or other liquids leak from sewage pipes or heating systems, rain and snow enter your home through closed windows or doors, or the water pipe at the washbasin leaks and damages your bathroom furniture.

When a perfume bottle falls into the washbasin or a vacuum cleaner crashes into a glass cabinet door, this is referred to as breakage of glass in buildings and furniture. Your home contents insurance also covers these claims.

Your bike is damaged or you accidentally spill a cup of coffee over your beloved designer sofa. Our comprehensive home contents cover provides you with additional protection for your particularly valuable items.

Your mobile phone is your constant companion, which you can also insure against mishaps. For example, if it falls to the floor or is dropped into the bathtub. With the Plus comprehensive home contents cover, damage to your electrical appliances such as e-bikes, mobile phones, tablets and TV sets is also insured.

Gross negligence and major claims service

You were out shopping and left a burning candle unattended. The resulting flat fire damaged a large part of your home contents. Even in such a case, we're here to help – with the “Carefree” safety module. It protects you from the financial consequences of a mishap that happened to you because of carelessness. We'll pay the costs of such claim –, no ifs, ands or buts. Nor do you have to worry about the organisation and coordination of major claims. As your partner, we'll be happy to handle this for you.

Cyber

The Internet creates countless opportunities – also for cyber criminals: they may compromise your credit card or personal details, infect an electronic device with malware or engage in cyberbullying. You may also lose your data. The “Protection” safety module with cyber cover provides optimal protection. This is how you get to make the most of the Internet and electronic media.

Arriving at your front door, you notice that your house key is gone, or your heating suddenly breaks down in winter. Thanks to home assistance, you won't have to worry about a thing. We'll organise the right professionals in such cases and cover the costs.