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It can happen in an instant: one little accident and the furniture is destroyed. A moment’s inattention on your bike and you hit a pedestrian. In these unfortunate situations, it’s good to know that your household insurance has you covered - thanks to the right household insurance, a combination of home contents and personal liability insurance.
from 7.20 per month
Swisscom sure offers flexible insurances tailored to you. Household insurance offered in association with our partner Zurich Insurance Company Ltd.
Household insurance combines household contents and personal liability.
Insure the precious things you hold dear: contents insurance covers damage to your belongings caused by natural hazards, fire, water or burglary.
Damage to household contents caused by fire, lightning or explosion. Damage through scorching and damage to insured property inadvertently exposed to heat or warmth are also insured.
For example: You drop a lit cigarette on the cushion of a garden chair.
The insurance covers damage to household contents caused by flood, inundation, storms (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides.
For example: Hailstones ruin your new garden furniture.
The insurance covers damage to household contents caused by liquids leaking from pipes and installations.
For example: While drilling, you damage a water pipe in the wall. The leaking water damages the furniture.
Damage to household contents due to burglary, robbery and simple theft. Simple theft is defined as perpetrators sneaking into the home, e.g. through an ajar window, and stealing insured property.
For example: During your vacation, someone forcibly breaks into your home and steals valuables such as jewelry.
Injuring another person or damaging their property can soon become expensive. With personal liability insurance, you’re covered for the financial consequences anywhere in the world.
The statutory liability of the insured persons for bodily injury and property damage that they cause to other persons.
For example: You hit a pedestrian with your bicycle. You cause damage to the parquet flooring in your rented apartment, or your dog causes damage to someone else.
Tailored to your needs and current life situation.
You can access a clear and transparent overview of your insurance at any time in My Swisscom.
Pay once a month via your Swisscom bill – no annual charges and no additional charge for payment in instalments.
Stay flexible: The contract can be terminated at any time under observance of a 14-day period of notice to the end of the month.
Our team is on hand to respond to all your questions and enquiries at no extra cost.
Everyone up to the age of 25 benefits from a youth discount of 20% on household contents insurance (excluding natural hazards) and 30% on personal liability insurance.
Anyone aged between 26 and 30 benefits from a newcomer's discount of 10% on household contents insurance (excluding natural hazards) and 20% on personal liability insurance.
Household insurance
from 7.20 per month
Bicycle theft from a station – you’re all covered
You arrive back at the station following your return train journey only to find that your bike has been stolen. A frustrating moment. Fortunately, you’re insured for the eventuality.
Report the theft to your insurer and to the police.
The insurer will review your claim. Because you have taken out ‘theft away from home’ insurance, the loss is covered.
The insurer reviews the documents. You will then receive compensation.
Mishaps happen – fortunately, you are covered
While playing a game, your children spill a sweet, sticky drink on their grandparents’ expensive suede sofa. Despite immediate clean-up attempts, there still remains a visible stain. Accidents happen. Fortunately, you have taken out personal liability insurance for the whole family.
You report the incident to your insurer and submit the necessary information: description of what happened, photos of the damage and a cost estimate for professional cleaning or repair.
The insurer reviews the documents and agrees on the next steps with you: Will it pay for professional cleaning, a repair or even replacement of the sofa? The type of damage, condition and age of the sofa will be taken into account in the compensation.
Contents insurance protects the personal belongings in your home from damage caused by events such as fire, theft, water damage or natural disasters. It helps you cover the cost of repairs or replacing the items if they are damaged or stolen. In a nutshell, contents insurance provides financial security for the belongings in your home.
Contents insurance is not legally required in most cantons. However, it is advisable to take out contents insurance. It provides financial security when items become damaged or destroyed by certain events. In the cantons of Nidwalden and Vaud, cover for damage caused by fire and natural hazards is compulsory for residents. This insurance must be taken out with a specific body, the Cantonal Fire Insurance. In the cantons of Fribourg and Jura, this insurance is also compulsory, but the residents are free to choose their insurance provider.
If you were to move house tomorrow, what items would you hand over to the removal men? All of this counts as household contents and must be covered by the sum insured.
Our advice: when determining the sum insured, ensure that it would be enough to be able to buy the entire contents of your removal van again.
The sum insured is the maximum compensation that the insurer will pay out in the event of damage to or loss of your personal property.
Please note that the sum insured is a maximum limit. If the total loss exceeds the sum insured, you may have to bear any additional costs. When choosing the sum insured, therefore, it is advisable to make sure that your property is adequately covered should the worst happen.
The deductible is the amount that you would pay out of your own pocket in the event of a claim or that the insurer would deduct from the compensation.
Personal liability insurance covers bodily injury and property damage for which you are liable to third parties. Bodily injury means accidentally injuring or even killing a person. Property damage means accidentally destroying, damaging or losing someone else’s property. By law, by reason of strict liability, you can also be liable for damage caused by your children or pets, for example. Tenant damage, that is damage and destruction of the inhabited rental property, is also covered by personal liability insurance.
Personal liability insurance protects you if you harm someone or damage someone else’s property. The insurance covers the costs that could be incurred, for repairs or medical treatment, for instance.
No, personal liability insurance is voluntary. Nevertheless, it is one of the most important types of cover. If you harm someone, even if it is unintentional, you are liable for it. This can soon become very expensive. The insurance covers justified claims of the injured party up to the sum insured. If any unjustified claims are made against you, these will be rejected by the insurance (referred to as passive legal protection).
Personal liability not only pays out in the event of a claim, but it also checks whether you are in fact liable.
As residents of shared accommodation can frequently change (move in and out), we recommend that you always take out personal liability insurance per person. This prevents anyone suddenly have no insurance cover after moving out.
Yes, as an animal owner, you are covered, at no extra cost, for damage caused by your pets. However, in relation to damage caused by tenants, note that damage due to wear and tear (e.g. by a cat scratching doorposts) is not covered.
Yes. Personal liability insurance offers worldwide cover.
Yes, the liability insurance for private individuals applies worldwide. Note that this insurance only covers use of the vehicle for a maximum of 25 days per calendar year. Rental vehicles are not covered. Should you require this, we recommend that you take out ‘Rental and shared vehicles’ cover with our partner Zurich Insurance.
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