Contents Insurance

Contents Insurance

The ideal insurance for your possessions

With Zurich Contents Insurance you can relax. We cover the costs if your property is damaged as a result of natural hazards, fire, water or a break-in.

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    When it dawns on you it's too late

    You like having visitors? It's just a shame that they've already gone when you get home. Instead of meeting them, you find chaos and a broken patio door. Shivering? You'll soon warm up again with contents insurance. We cover the damage caused by the break-in and offer immediate assistance so that your home is soon nice and cozy again.

    Bike path? Bike’s gone!

    You are cycling around a lake and are tempted by the thought of a picnic by the water. Your trusty old bike will wait for you by the bike path while you rest. Or so you thought. Unfortunately, someone else now has it, and you are left to continue on foot. But not for long – your additional "Simple theft outside the home" coverage will help you out. We compensate you for the theft, and you can buy a new bike.

    Also for furniture on the move

    Tripped over the front doorstep when moving furniture? Not to worry – something always gets damaged when you move your belongings. That's why you've got contents insurance. We pay for any damage to furniture, not only when it is in your home but also when it is moved to a new location.

    BENEFITS AT A GLANCE

    • Contents insurance covers damage at home and while traveling worldwide, for example as a result of fire, water, storms, break-in or theft.
    • We also insure against glass breakage, for example, or offer immediate assistance in an emergency.
    • We are available to you by phone 24 hours a day: 0800 80 80 80 or +41 44 628 98 98 (abroad).
    • With the no-claims bonus, you get 15 percent of the premiums back after three claim-free years.
    • Benefit from a premium discount of up to 10 percent if you have other insurance policies with Zurich.
    Fewer details
    Find out more about the product

    Basic insurance

    • all movable objects in your home at 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 5,000 Swiss francs)

    Supplementary insurance

    • 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.
    • Accidental electrical damage: Is your house full of tablets and cell phones? Insure all electrical devices against mishaps for as little as CHF 68.
    • 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.

    Attractive terms for young adults and families

    • If you are between the ages of 18 and 25, you benefit from an 18-percent discount.
    • If you are between the ages of 26 and 30, you receive an 8-percent discount.
    • 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. 
    • Take advantage of Zurich's partnership with Securitas Direct, a provider of state-of-the-art alarm systems for your home.
    • Our partner "Waldis Tresore" will give you discounts on security solutions for your valuables.

    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 spills over a keyboard, a video camera is dropped or your skis come apart.
    • Earthquake: This supplement includes damage caused by an earthquake.

    Optimum protection for young adults

    Zurich offers you many advantages – especially if you are under 30. Key information at a glance:

    • Premium discounts allow young adults to save money
    • People living in the same household can insure themselves jointly
    • With "Accidental damage to electrical equipment," all devices are cost-effectively insured – from your games console to your tablet

    Fewer details What other customers ask

    Is my bike insured against theft?

    Yes, if theft insurance was selected as part of household contents, contents insurance will cover the claim. For theft outside, e.g. during the holidays, the additional cover "simple theft outside" or "super theft" is required.

    Is my cellphone insured against theft, damage and defects as part of household contents cover?

    For theft outside of the home, the additional cover "simple theft outside" is required. Damage, e.g. if the phone is dropped, is covered by the additional insurance "accidental damage to electrical equipment" or "accidental damage to contents". Defects – in the sense of internal damage (no longer functions without external signs of damage) – are not insured against.

    Is cash insured as part of household contents?

    Yes, cash is insured up to a maximum of CHF 5,000, in the event of a fire or break-in, for example. However, in the case of a confidence trick, such as theft of your wallet in a restaurant for example, the cash is not insured.

    What is super theft?

    Super theft is the improved version of "simple theft outside": Alongside loss or damage resulting from theft outside of the home (e.g. theft of a bicycle), "super theft" provides cover for damage to or loss of luggage for distances of more than 50 km away from the fixed residence or in the event of at least one overnight stay away from home. In addition, the agreed upon sum insured is automatically doubled in such cases.

    Does it make sense to take out household contents/personal liability insurance for roommates living in a shared apartment on an individual or collective basis?

    Since roommates in a shared apartment can always change (moving in and out), we always recommend that you take out household contents and private liability insurance on an individual basis. Otherwise, the person moving out no longer has any insurance coverage.

    Do I need luggage insurance if I have contents insurance?

    Since during travel, lots of luggage goes missing at the airport, is sent to the wrong destination and/or is damaged irrespective of the means of transport, we recommend taking out luggage insurance. At Zurich, this additional cover is called "super theft".

    Do I need ski insurance in addition to contents insurance?

    No, it is far more advantageous, and as a rule cheaper, to add the additional cover "simple theft outside" and "accidental damage to sports equipment" or "accidental damage to contents" to your contents insurance With the latter additional cover option, it is not only your skis that are insured against breakage, but all your sports equipment and household objects too.

    Are the costs of a locksmith included in contents insurance?

    With the additional cover option "home care", Zurich will pay the costs of a locksmith in the event of you losing or damaging your keys or if an insured person has locked themselves out of the home.

    90%
    of customers take out contents and personal liability insurance together.
    80%
    of customers with contents insurance also insure theft outside the home or super theft.
    70%
    of customers with contents insurance also protect against glass breakage.

    Playing it safe with everything at home

    We cannot replace your favorite possessions, but we can provide their replacement value. Our contents insurance protects you against financial loss in the event of damage resulting from lightning, fire, water or theft.

    Protection for irreplaceable items

    A piece of jewelry, a painting or a musical instrument: our valuables insurance provides financial compensation for your most treasured possessions.

    Protecting your bike

    To ensure that everything runs smoothly, Zurich Bike Insurance helps out in every event – in the case of punctures or financial loss. We cover the costs if your bike is stolen or damaged.

    Find an agency

    Protection for irreplaceable items

    A piece of jewelry, a painting or a musical instrument: our valuables insurance provides financial compensation for your most treasured possessions.

    Supplementary coverage

    When pipes leak and cause damage to the building, we're here to help – and with buildings insurance we also cover the high costs of locating, exposing and covering the damaged pipe.

    Covered in case something goes wrong

    Run over the neighbors' cat on your bike? Burned a hole in your friends' Persian carpet? Personal liability insurance is there to pay for events such as these.

    Knowledge

    Keep thieves at bay

    Thieves are stealthy, quick and unpredictable. However, if you follow these seven tips, you can avoid making life too easy for the thieves.

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    So that everything goes well during the move

    Five tips for stress and trouble-free moving.
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