Home Assistance Insurance

Home Assistance

There are situations in which quick action is simply required: if you lock yourself out by mistake, if the toilet overflows or a colony of wasps sets up headquarters on the terrace. With Home Assistance Service, help is just a phone call away.

Locksmith: You’re outside, your child is inside.

You've locked yourself out: now you need a professional quickly, to open the door as soon as possible. Home Assistance not only pays for the locksmith, but also provides the specialist as fast as possible.

Uninvited guests

Uninvited guests: wasps on the terrace

An insect hotel in the garden can offer great enjoyment. Less pleasant, however, is a hornet's nest right above the front door. Bed bugs can be an unwanted holiday souvenir that remove the joy from a home. Within the scope of Home Assistance, we will find the right professional for you and pay for their services.

All-round protection

All-round protection, even when you’re not at home

The heating in your house breaks while you are on a two-week skiing holiday? We organize the appropriate heating technician and take over the costs of their services.

Insurance benefits

A secure feeling, even when you’re not at home – thanks to our Home Assistance.

In detail

Home Assistance includes the following services:

  • Emergency situation: Zurich organizes specialists to take the necessary immediate measures if damage occurs or if a claim lodged would increase without immediate action. Costs of up to CHF 1,000 are covered.
  • Locksmith service when the insured person is not able to open the doors and gates of the insured premises. Costs of up to CHF 1,000 are covered. 
  • Assistance in case of malfunctions in heating, air-conditioning, ventilation, lift and sanitation systems and in the fuse box. Costs of up to CHF 1,000 are covered. 
  • Pipe-cleaning service when a waterpipe is blocked. Costs of up to CHF 1,000 are covered. 
  • Pest control service in the case of pests and vermin harmful to health (e.g. bed bugs, mice). Costs of up to CHF 5,000 are covered. 
  • Removal of bees’, hornets’ and wasps’ nests up to CHF 1,000.

Depending on the type of home and building, the premium is fixed per year. For a detached family home, for example, the annual premium is CHF 39 (including statutory charges such as stamp duties; any deductions such as the youth or combination discount are not included in this price).   

Important exclusions:

  • Cost of replacement parts 
  • Damage to buildings and household contents 

Frequently asked questions

Our heater breaks down on a holiday. Is the emergency service still insured?

Of course – Home Assistance is available 24 hours a day, 365 days a year, even at Easter or Christmas.

It snows all night long and in the morning a tree threatens to topple onto the building due to the snow load in the garden. This type of emergency is not directly mentioned in the GCI. Is it still insured?

Yes, because the Home Assistance Service "Emergency Situation" is an all-risk coverage. All emergency situations (as defined in the GCI) that are not explicitly excluded are covered.

I lost the code card for our garden gate and now can't get into the property. Is this a case for Home Assistance?

Yes, this type of emergency is covered under the keyword "locksmith". This not only refers to doors or gates inside or outside the house, the protection applies to the entire property.

I found small insects in the flour in my pantry. Is this a case for the pest control service?

We will cover costs of up to CHF 500 for identifying the insect (e.g. by using a photo). If the species is a health hazard, we will assume pest control costs up to a maximum of CHF 5,000.

The stairlift no longer moves. Is this also a case for Home Assistance?

Yes, we will provide a professional to take care of it.

Your service

We will be happy to advise you about our Home Assistance.

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