The Christmas tree catches alight and causes a fire in your living room, a pipe bursts and water floods your basement, a storm tears a branch from a tree, which then breaks a window... Who pays for the repair costs? HomeProtect household contents insurance will compensate you in the event of damage or theft.
Ask for advice
When you sign the contract, you specify the amount that corresponds to the value of your belongings (furniture, bedding, clothing, books, appliances, sports equipment, etc.). The amount must be equivalent to the amount you would have to pay to buy new replacements.
Basic module |
Basic level |
Plus level |
|---|---|---|
| Fire Damage caused to household contents such as furniture, bedding, clothes, books, appliances and sports equipment, including leased, rented or loaned items, in the event of: fire, smoke, lightning, explosions, plane, rocket or meteorite crashes, etc. |
||
| Natural disasters High waters, flooding, storms, hailstones, avalanches, snow pressure, falling stones and rocks, landslides |
||
| Burglary (including damage caused to the building) Theft with threats or acts of violence (robbery) and simple theft at the place of risk |
||
| Water damage Leakage from pipes or heating installations, frost, rainwater, snowmelt, backflow, etc. |
||
Special insured cases |
Basic level |
Plus level |
| Costs resulting from insured damage Costs of clearance, costs of restoring documents and credit/debit cards, costs of changing locks, rehousing expenses, etc. |
Max. 5% of the insured amount |
Max. 20% of the insured amount |
| Monetary assets Cash, securities, precious metals, airline tickets, etc. |
Max. CHF 1,000/claim | Max. CHF 5,000/claim |
| Jewellery | 20% of the insured amount, max. CHF 30,000 | 20% of the insured amount, max. CHF 30,000 |
| Loss caused by gross negligence | No reduction in benefits | No reduction in benefits |
Extended coverage |
Basic level |
Plus level |
| Breakage of furniture glass | Max. CHF 2,000/claim | |
| Vandalism, civil unrest, terrorist attack, etc. | Max. CHF 2,000/claim | |
| Unexpected defrosting of frozen food | Max. CHF 2,000/claim | |
| Burning | Max. CHF 2,000/claim | |
| Electrical damage to machines and appliances | Max. CHF 2,000/claim | |
| Casco (accidental damage to telephones, TVs, etc.) | Max. CHF 2,000/claim | |
Home Assistance |
Basic level |
Plus level |
| Free assistance in the event of a claim, 24 /7 on 0800 808 222, in particular to carry out emergency repairs. Guard service if the home needs to be secured. | Max. CHF 1,000/claim | Max. CHF 1,000/claim |
OptionsCoverage subject to a premium surcharge |
Basic level |
Plus level |
| Simple theft outside the place of risk (choice of insurance amount from CHF 1,000 to CHF 8,000, max. 10% of the main insurance amount) | (except bicycles) |
(including bicycles) |
| Breakage of building glass including sanitary facilities | Max. CHF 2,000/claim | |
| Earthquakes | Max. main insured amount |
Do you have any questions about HomeProtect insurance?
Our insurance advisers are available to answer any questions you may have.
The partner for personal liability insurance (RC) and household contents insurance (MN) is La Vaudoise.
Call 0848 803 222 and select the option “Claims”, or send an email to: schadenprotect@groupemutuel.ch (German), sinistresprotect@groupemutuel.ch (French), sinistriprotect@groupemutuel.ch (Italian).
