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A modern house with large glass windows through which a living room with a red sofa and two people can be seen, with a pool in front.

Tailored coverage for wealthy customers Luxury insurance: tailorMade Home

All-risk solution with flexible coverage
Individually tailored to your needs
Exclusive services
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Key points at a glance
  • Exclusive, worldwide coverage concept: tailorMade offers extended coverage amounts and additional legal security.
  • Innovative all-round protection: This unique supplementary coverage insures buildings in Switzerland and abroad, valuable household contents, jewelry, wristwatches, and art and collection items.
  • Flexible and modular: tailorMade Home can be adjusted to meet the needs of discerning private clients.
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Insurance solutions for wealthy customers

tailorMade Home is the exclusive all-risk coverage for valuable assets: Buildings, household contents, jewelry, watches, and art and collectors’ items. The individual coverage modules can be chosen freely so that tailorMade Home can be tailored to the individual requirements of discerning private customers.

tailorMade Home is suitable for an insured sum for household contents in Switzerland of at least CHF 400,000. Household contents also include jewelry and watches, as well as art and other collectors’ items. The household contents may be distributed among several locations in Switzerland.

The special features of tailorMade Home

  • Modular structure: You can tailor the coverage modules and cost blocks to your individual requirements.
  • Excellent claims service: AXA offers a personal and reliable claims service encompassing not only professional advice on prevention, but rather also first-class, straightforward claims handling. You can notify us of claims quickly and easily, with a simple written notification. Wherever possible, small claims, in particular, are settled swiftly and conveniently by means of a no-fuss payment. 
  • Art expertise: As an experienced art insurer committed to many different areas and partner to international art fairs, we combine a deep understanding of the art market with cutting-edge insurance knowledge. Our art experts within AXA will be on hand should you have any questions regarding how best to protect your collection.

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The advantages at a glance

tailorMade Home can be tailored to your individual requirements:

  • All-risk coverage for buildings, household contents, jewelry, watches, art and collectors’ items, including terrorism-related risks
  • General waiver of underinsurance (exception: risks due to natural forces)
  • Worldwide off-premises coverage up to 18 months
  • Luggage up to a total insured sum for household contents
  • Coverage for all new purchases from the time of purchase and increases in value of up to 30% of the corresponding insured sum (contingent insurance)
  • Blanket coverage for all glass on buildings and furniture
  • Standard storage and worldwide wearer's risk for jewelry and watches
  • Accident coverage for pets
  • Free movement between different locations

Free choice of coverage

  • Earthquake insurance
  • Bicycle and e-bike assistance
  • Tradesperson service
  • Safe and safe deposit box contents held at banks
  • Loss of rental income

Comprehensive assumption of costs

  • Damage to surroundings, including outdoor pools
  • Garden planting
  • Clearing and disposal costs
  • Living expenses
  • Costs of changing locks as well as for emergency doors and glazing

Examples of damage/loss

Broken wine bottles

Broken wine bottles

As you are carrying the wine you just bought into the basement, a crate with six bottles falls on the floor. All of the bottles break.

  1. Breakdown of costs
  2. Cost for the replacement of the wine CHF 2,500
  3. Cleaning costs CHF 200
  4. Total damage CHF 2,700
  5. Deductible CHF 500
  6. Compensation paid by AXA CHF 2,200
Accident with building damage

Accident with building damage

A driver hits your garage and adjacent garden fence while driving in reverse and then leaves unnoticed. The collision causes damage to the building. The plants in the garden and household contents in the garage are also damaged.

  1. Breakdown of costs
  2. Repairs to the garage and building CHF 10,500
  3. Replacement of household contents and garden plants CHF 5,500
  4. Total damage CHF 16,000
  5. Deductible CHF 500
  6. Compensation paid by AXA CHF 15,500
Damage to art due to fire

Damage to art due to fire

A fire in the kitchen leaves soot in the entire house. As a result, all of the works of art must be carefully restored. The furnishings are also damaged.

  1. Breakdown of costs
  2. Restoration and reduced value of the art CHF 120,000
  3. Cleaning or replacement of household contents CHF 80,000
  4. Additional living expenses CHF 10,000
  5. Clearing and disposal costs CHF 10,000
  6. Total damage CHF 220,000
  7. Deductible CHF 500
  8. Compensation paid by AXA CHF 219,500

Contact

We are here for you locally: Contact our advisors at a local agency or contact your insurance broker.

 

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tailorMade Home: An AXA-XL offer

  • About AXA XL
    About AXA XL

    AXA XL is a subsidiary of AXA SA and has over 100 branches on six continents. The Swiss office is located in Zurich. AXA XL offers services in three business areas: AXA XL Insurance, AXA XL Reinsurance, and AXA XL Risk Consulting.

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