Household insurance

Household insurance Direct

Protect what is dear to you with home contents insurance

Enjoy your home. Because with Baloise home contents insurance, you no longer have to worry in the event of loss or damage. Whether you experience a fire or a theft – the comprehensive insurance covers all significant risks. We make good any damage you have suffered and offer support with our additional benefits that are unique in Switzerland.

The benefits: Home contents insurance applies to all individuals living in your household, regardless of their age or employment status. And thanks to the module concept, you can tailor your insurance cover to suit your needs.

Baloise home contents insurance at a glance

Baloise home contents insurance provides added safety and security. In addition to the integrated basic modules, you can customise and complement your insurance with innovative supplementary cover and safety modules.

Basic modules

  • Fire
    Amongst other things, the basic module covers the costs in the event of fire, smoke, lightning and natural hazards such as flooding, storm or hail.
  • Theft (burglary and simple theft)
    Simple theft, robbery, loss of luggage and vandalism of household effects and buildings in the event of a burglary are also insured in addition to burglary.
  • Water
    Amongst other things, damage resulting from the leakage of water and liquids, the penetration of rain water and snow and backflow are covered.
  • Glass breakage
    This includes the breakage of glass in buildings and furniture – even in the case of materials such as Plexiglas and other plastics used as glazing.

Supplementary cover options

  • Comprehensive home contents cover
    Protect the things that are particularly close to your heart. Whether it’s your wedding ring, electronic device or musical instrument. The global cover bears the costs in the event of damage and loss.
  • Card Protection Service
    Baloise looks after you in the event of a theft by blocking bank, credit and SIM cards and all identity documents and covers the costs for any replacement cards. An advance payment of costs up to CHF 2,000 is provided quickly and easily.
  • Travel insurance
    You are prepared for anything during your holiday with the cancellation insurance module and Medi Service SOS, through which Baloise provides assistance if you need to return early due to an emergency.

Additional benefits for your security

Home contents insurance can be combined with personal liability, legal expenses and travel insurance for even more comprehensive protection for your home.

Household insurance includes home contents insurance and personal liability insurance. Integrate travel insurance and legal expenses into your combined package and benefit from comprehensive cover both inside and outside your four walls.

Safety modules

Supplement your home contents insurance with our innovative Carefree and Swiss Pocket Knife safety modules and create your very own insurance solution.

Carefree safety module
We are the only insurer in Switzerland to also pay for damage to your household effects caused by gross negligence – and this without any reduction in benefits. We also offer a diverse range of services related to burglary such as psychological support, assumption of the costs of a return journey or a self-defence course.

Swiss Pocket Knife safety module
Thanks to the integrated home assistance, we quickly organise the right tradesmen and specialists for breakdowns in your home, day and night. Even in the event of major claims, you receive a flat-rate of CHF 10,000 in addition to the assumption of costs. The payment protection also assumes pecuniary losses of up to CHF 10,000 in the event of theft or misuse of your prepaid cards and online banking details.

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