Hail damage? Storm damage?
If your home is broken into, the basement flooded following a storm or if thick smoke makes your cloakroom unusable, you can still stay fully relaxed if you have AXA's household contents insurance. We insure your household contents in full and ensure quick and straightforward processing if you have to make a claim.
If customers take out household insurance, they benefit from a one-time discount of CHF 50 on basic insurance. The same applies to personal liability insurance. Take out personal liability and household insurance with AXA now and save yourself CHF 100.
You always want to be able to feel safe and secure at home within your own four walls. Insurance protection from AXA ensures that even after water damage or burglary and theft, you do just that thanks to broad risk cover and quick, uncomplicated help. The insurance protects you against these risks and their financial consequences. Find out here how the insurance is structured, what basic cover is included and which additional benefits you can choose:
Through its modular structure, household contents insurance from AXA can be expanded in line with individual needs as a type of "household contents accidental damage". This way you only insure what you want to and only pay for other benefits you actually need, such as protection for your art collection or house keys.
Different things are dear to people. You can have your personal favorite possessions comprehensively insured with these benefits - against damage caused by other people or by you accidentally, exactly as against loss or theft.
What is covered exactly? What is the sum insured? And are you overinsured or underinsured? These are three things you should take into account when taking out household contents insurance:
In addition to personal liability insurance, household contents insurance is one of the key types of insurance in Switzerland. It offers insurance protection for your household contents - and therefore for a substantial portion of your possessions. Household contents are deemed to be all movables in your home, regardless of whether they are in the living room, on the terrace, in the attic or in your car. Furniture or sports equipment, jewelry or smartphone, owned or only leased by you - if they're stolen or damaged, we pay for your property and valuables to be replaced at reinstatement value or to be repaired.
The chosen sum insured should always correspond to the new value of the items in the insured home. In the event of a claim, this is the only way you receive the amount needed to replace items of equivalent value.
Based on experience, the household contents of all Swiss people increase over the years. While you perhaps only have second-hand furniture in your first home and the lowest premium, household contents often contain substantially more furniture and valuables a few years later. To ensure you are not underinsured and you can replace any damaged or stolen items in the event of a claim, you should regularly review the value of your household contents and adjust the sum insured where necessary. This could be downwards too. For example, if the children move out, the sum insured can often be reduced, as you would otherwise be paying too high a premium.
In the evening after work, Claudio discovers to his horror that his new bike has vanished – together with its lock and lights. He had parked it at the railroad station that morning as usual.
The doorbell rings while Nadine is cooking. When she returns ten minutes later, the kitchen is full of smoke – the oil in the frying pan has caught fire. Her household contents in the entire apartment are blackened by the resulting smoke and soot.
On returning from a weekend trip, the Wildi family discover that their basement is under water – the result of a flooded stream after a heavy storm. Their winter clothing, various supplies, some heirlooms and their much-loved wine collection are seriously damaged.
Yes, mobile devices (mobile phones, tablets, notebooks) are covered if you have taken out the supplementary all-round protection module "Smartphones, tablets and consumer electronics." Basic household contents insurance only covers your smartphone against damage from fire, water, natural hazards and theft.
This is ordinary theft. If you have included supplementary coverage "ordinary theft away from home" in your policy, your handbag (incl. identification documents, cellphone, etc., but excluding cash) is covered up to the agreed sum insured. The costs of replacing your ID, documents, personal subscriptions, etc. is covered. In an emergency we can organize a key service for you within 24 hours – just call us on 0800 809 809.
In this case there is the supplementary coverage module "Loss of keys and key service": This coverage assists you if you lose a key or lock yourself out. Your keys to your own apartment are covered together with third-party keys such as those belonging to an association or a business. The supplementary coverage pays the costs for the key service, for replacement keys and for changing the locks.
With all-round protection for luggage, the costs of necessary purchases are covered up to CHF 1,000. If your luggage never arrives, the costs for replacing the lost items are also paid up to the agreed sum insured.
Basic coverage insures your musical instruments against damage from theft, fire, water and natural hazards (e.g. storm). With the all-round protection module "Jewelry, watches and musical instruments," you can also protect them against damage and loss, e.g. your trumpet falls onto the floor and is damaged.
Under "Comfort" basic coverage, jewelry and watches are insured against burglary up to a value of CHF 30,000. A valuable watch and other items of jewelry can be insured with our supplementary insurance module "Jewelry, watches and musical instruments."
All movable items in your home are part of the insured household contents, all items permanently connected to the building are covered through the building owner through buildings insurance.
You don't have many possessions and don't need household contents insurance? Then you can take out supplementary all-round protection on its own for just your favorite items. It's that simple.