Household contents insurance

Life is constantly changing, but the wish for security remains. With household contents insurance, you protect your possessions.

Replacement or payment within 48 hours in cases of theft
All classes of e-bike can be insured
Personal advice possible despite online purchase

Calculate the premium

Purchase advice: 0800 800 501

You can register a claim here

You possess more than you realize.

Protect your entire household contents against fire, theft and water damage. We offer optimal protection for all your movable property (including digital data such as songs, e-books, etc). As well as for all members of your household.

Benefits

Your possessions are covered at new-for-old value including when abroad.
Leased, hired and loaned objects are also insured.
Jewelry up to CHF 30,000
Cash, credit cards, non-personal tickets up to CHF 5,000 in a robbery or break-in
Professional equipment up to CHF 5,000
Cleanup work and additional costs (e.g. for travel and accommodation)
Extended coverage available for e.g. luggage, sports and hobby equipment

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4.6/5Home and Property Insurance

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48 hr cash or item replacement service

If for example your cellphone, bicycle or handbag is stolen, you’ll quickly be back in action thanks to our service.

It works like this:

Should we replace the stolen item at equivalent value?
Or pay you the equivalent value in cash?

Within 48 hours, you’ll have your replacement item or the money will be on its way to you.

All our customers with household contents insurance including theft coverage benefit from the item replacement service.

Bicycle stolen from bicycle shed

After lunch, Claudio is horrified to discover that his new bike has disappeared from the bicycle shed. Together with the lock and lights. He had parked it there just one hour earlier.

Statement of costs
Replacement with a bicycle of equal value CHF 2,600
Replacement of bicycle accessories (lock and lights) CHF 100
Total damage/loss CHF 2,700
Claudio’s deductible CHF 200
Compensation by AXA CHF 2,500

Frying pan left on the cooker and forgotten

The doorbell rings while Nadine is cooking. When she returns five 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.

Statement of costs
Cleaning of household contents incl. clothing CHF 6,500
Replacement of household contents CHF 2,500
Total damage/loss CHF 9,000
Nadine’s deductible CHF 200
Compensation by AXA CHF 8,800

Cellar under water

On returning from a weekend trip, the Wilde family discovers their cellar is under water – the result of a flooded stream after a heavy storm. Their winter clothing, skis and snowboards and their much-loved wine collection are seriously damaged.

Statement of costs
Cleaning of household contents CHF 8,000
Replacement of household contents CHF 12,000
Replacement of bottles of wine CHF 3,000
Clearing and disposal costs CHF 5,000
Total damage/loss CHF 28,000
Family Wilde's deductible CHF 500
Compensation by AXA CHF 27,500

Support and frequently asked questions

After a break-in at my apartment, my balcony door is damaged. What must I do?

Notify the police of the incident without delay. Then inform us on 0800 809 809. We will discuss the next steps with you and organize the installation of emergency glass or an emergency lock on request.
What must I do if my stolen bicycle is found?

The stolen bicycle became our property as soon as we settled the claim. Call us on 0800 809 809 and we’ll discuss how to proceed.
My smartphone display is damaged. Does my household contents insurance cover this?

Yes, if you have taken out supplementary insurance for mobile devices (mobile phones, tablets, notebooks) under the option "Extended coverage: luggage, sports and leisure equipment."
My handbag was stolen unnoticed in the restaurant. What is insured?

This is simple theft. If you have included ordinary theft supplementary insurance in your policy, your handbag (incl. identification documents, mobile phone, keys, etc., but excluding cash) is covered up to the agreed amount of insurance.

In an emergency we can organize a key service for you within 24 hours - just call us on 0800 809 809.

I have lost a key to my apartment. The next step

Landlords often require the replacement of the closing cylinder if the keys are lost. If this is justified, we pay for its replacement from the personal liability insurance. Such claims are often justified following theft of a handbag.
The tires of my car were stolen from the underground parking garage. Are they insured?

No, car accessories are covered by car insurance.
The deductible is higher for damage caused by natural forces. Why?

The legislator determined the deductible to be CHF 500 for damage caused by natural forces. This provision applies to all insurance policies equally.
How can I use this service, 48 hr cash or item replacement ?

Call us toll-free on 0800 809 809 and report your damage. We can be reached 24 hours a day, 7 days a week.

Provided the loss event is insured, we will discuss the details with you directly and either supply information about the replacement online or organize the cash payment – less any deductible in the contract.