Combined household contents and personal liability insurance Household insurance

Household contents insurance or personal liability insurance? Both!

The experts agree: Everyone should have both household contents insurance and personal liability insurance as protection against the financial consequences of a loss event. Whether it's due to an accident at home or damage you cause to others.

Around three quarters of all AXA's customers choose this no-worries package. And there's a good reason why: Combining these two indispensable products gives you comprehensive protection – and the reassuring feeling of security.

Whether you're a sporting ace, animal lover, or cellphone fan: Our modular household insurance is a flexible fit for your needs and lifestyle. It offers coverage precisely in line with your needs – no more and no less.

Household contents insurance: comprehensive protection for your belongings

What happens if you are burgled? If your basement floods in a storm? Or your camera is stolen from your hotel room? You can stay fully relaxed with household contents insurance from AXA. Because we insure your entire household contents – both at home and away from home. And, in the event of a claim, we process your case in a fast and straightforward manner.

The benefits of AXA's household contents insurance

• Your entire household contents are insured at new-for-old value against damage caused by fire, water, burglary and theft from your car as well as  damage from natural forces such as storms and high water.
• Energy Plus: If certain appliances, such as televisions, are destroyed in an insured accident, we will pay the additional cost of replacing them with an energy-efficient model.
• Theft away from home is covered worldwide.
• Important objects such as cellphones, bicycles or jewelry can be insured additionally against damage and loss by yourself or third parties.
• If you lose your keys, the costly key service is included.
• The tradesmen emergency service  takes care of emergencies around the house such as defective heating.
• Restoration of damaged data and virus removal by an expert.

Why is personal liability coverage so important?

What happens if you ruin the parquet floor of your rented apartment? Or accidentally collide with a pedestrian on your bike, injuring them? AXA's personal liability insurance covers the financial consequences that you or your loved ones cause accidentally to others and their property – which, in a worst case scenario, can extend into the millions. 

The benefits of AXA's personal liability insurance

• Damage to other people and their property, for example as a tenant, as a bicycle, e-bike or moped rider, or as an animal keeper
• Damage while flying drones or model aircraft
• Damage from self-employment (up to max. CHF 20,000 annual earnings)
• Damage to private third-party vehicles 
• Damage to hired or carsharing vehicles
• Damage caused by your pets to your rented apartment – including damage caused gradually