Hausrat

Own your own home? Protect everything you care about.

TRIPLE BENEFIT FOR UNDER 25s

  • Small budget? At least 18 percent off your contents insurance.
  • Is your house filled with smartphones, gaming consoles, flat screens and sound systems? Insure all your devices for as little as CHF 55 a year.
  • Have a roommate? One policy covers everyone.

Plus lots of additional benefits for all age groups: Zurich always pays the new replacement value for your belongings, and will even waive the deductible after three no-claim years. Basic coverage includes up to CHF 2,000 in moving damages, too. Already have other policies with Zurich? You'll get an extra 10 percent discount.

Basic insurance

  • All movable objects in your home at new replacement value
  • Damage resulting from fire, for example conflagration, smoke, lightning strike or explosion
  • Damage resulting from natural hazards, for example inundation, floods, storms or hail
  • Damage resulting from water, for example if liquid escapes from pipes, equipment, aquariums or water beds
  • Damage resulting from burglary, if someone forcibly enters your home
  • Damage resulting from robbery, if someone forcibly removes your property from your person
  • Damage resulting from simple theft, i.e. with no application of force
  • Stolen items, if someone breaks into your locked vehicle (up to a claim amount of CHF 5,000)

Attractive terms for young adults and families

  • If you are up to 25 years old, you will benefit from a premium discount of at least 18 percent
  • If you are between 26 and 30 years old, we will grant you a premium discount of at least 8 percent
  • If you already have motor vehicle or life insurance with Zurich, we will give you a discount of up to 10 percent on the total premium

Supplementary insurance

  • Accidental electrical damage: Is your house full of tablets and cell phones? Insure all electrical devices against mishaps for as little as CHF 55
  • Simple theft outside the home: We cover the costs if you have items stolen outside the community where you live
  • Super theft: If you have items stolen when traveling, we cover the costs up to double the sum insured. Your items are also insured if they are dropped on the floor or are damaged in any other way. This applies from 50 kilometers away from your home as the crow flies, or when you spend a night away from home
  • Home Care Service: If you are in difficulties because your home has become uninhabitable, we will organize immediate assistance free of charge. Our team will install emergency locks or emergency glazing, clean pipes or guard your home
  • Glass breakage: We pay for damage to furniture (e.g. broken glass table top or glazing in cabinets) and to the building (e.g. broken windows or glass doors)
  • Card blocking service: We cover the costs if your credit card, debit card, customer loyalty card or SIM card is lost or misused

Exclusively from an insurance advisor

  • Pet insurance if your dog or cat has an accident, we will cover the veterinary costs
  • Accidental damage to cultivated areas: This supplementary insurance covers damage to your garden, for example if a storm destroys plants, paths or fountains
  • Accidental damage to contents: With this supplementary insurance, your electrical and sports equipment is insured if, for example, water runs over a keyboard, a video camera is dropped or your skis come apart
  • Earthquake: This supplement includes damage caused by an earthquake