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Household Con­tents Insurance

Whether at home or away from home. House­hold contents insurance lets you protect your personal property against fire, theft, water, glass breakage and damage by natural forces.

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The advantages for you

  • Your household contents, including bicycles and sports equipment, are insured at new-for-old value.
  • In an emergency, our 24-hour hotline is there for you if you need to make a claim.
  • Discount of 10% if already insured with CSS, 10% discount for young people (up to age 25) and up to 30% no-claims discount.
  • Household contents insurance lets you take full advantage of the enjoy365 Health Shop and the active365 rewards app.

Household contents insurance at a glance

Pay 30% less

Staying claim-free is rewarded with a generous 30% discount on household contents insurance.

Low deductible

As a rule, you pay a contribution of CHF 200 out of your own pocket towards each claim.

Free legal advice

Free help by phone on questions concerning Swiss law.

How household contents insurance works

We're here for tenants and owners when things go to pieces. Household contents insurance assumes the cost of replacing items at new-for-old value.

Basic insurance cover

  • Fire: fire, smoke, lightning, explosion and implosion, falling aircraft and spacecraft or parts thereof, damage through scorching where there is no open flame
  • Natural forces: avalanche, storm, hail, snow pressure, flooding and high water, landslide, rockfall and rockslide
  • Theft: burglary, robbery and simple theft, malicious damage to property (vandalism) during burglary
  • Water damage: flooding inside buildings caused by mains water, rain, snow, melting snow, ground water and blocked drains, and by water beds, aquariums, oil from heating systems or oil tanks

How much does household contents insurance cost?

How much you pay for your premium depends on the sum insured. This is calculated according to the living space and standard of furnishing or the number of people and rooms in the household.

Example of premium calculation

Basic insurance
Fire, natural forces, theft and water damage
Sum insured CHF 100,000
CHF 204.30
Theft away from home, CHF 2,000 CHF 58.00
Sub-total CHF 262.30
- 10% for CSS clients
CHF - 24.10
- 5% for contract term (5 years) CHF - 10.90
- 20% no-claims discount (5 years) CHF - 41.30
Total with CSS discounts CHF 186.00

Add extra protection through supplementary cover

What cover is important to you? We recommend our policy add-ons for extra protection at home and away from home.

Simple theft away from home

Covers any theft that may happen while you’re out and about. Your personal possessions such as mobile phone, handbag, laptop, luggage, skis, bikes etc. can be insured for up to 20% of your total sum insured.

Household contents accidental damage insurance

Your mobile phone falls into the water or your glasses get broken – that’s when household contents accidental damage insurance helps. It covers damage to electrical appliances, sports equipment, jewellery, luggage and medical aids such as hearing aids, glasses and wheelchairs.

Bicycle accidental damage insurance

Bicycle accidental damage insurance covers your own bike or e-bike. It assumes costs arising from accidents, theft or vandalism, for example. Liability insurance, on the other hand, pays for any damage you cause to others.

Glass breakage

The glass breakage option insures cracks and breakages to glass that forms part of the building or part of the furniture. Emergency glazing, glass tables, mirror cabinets, hobs and wash basins are included in the cover. And there’s no deductible.

Jewellery

Do you own valuable jewellery? Then it’s insured for up to 20% of your total sum insured, but no more than CHF 30,000. If you have more jewellery, we recommend increasing the sum insured by as much as CHF 40,000.

Card misuse

If your credit card is stolen and misused, CSS will pay up to CHF 6,000 for the damage. This applies to credit, bank, post office, SIM and customer cards. A free card-blocking service is included.

Frequently asked questions

Unless otherwise agreed, your deductible is CHF 200 per loss event.

For damage by natural forces, such as hail, storm or flooding, the deductible for household contents is CHF 500 per loss event.

CSS may reduce the benefits and pay only part of the claim reflecting the proportion that the sum insured bears to the actual value. Underinsurance is deemed to exist if the sum insured is less than the actual value of the insured building prior to the damage.

The insurance can be cancelled at the end of the minimum contract term by giving 3 months' notice.

Yes. Refugees from Ukraine with S status are included in the insurance – regardless of whether you have cover for one or more people. This applies until they leave Switzerland or, at the latest, until their S status comes to an end.

This cover also applies at your holiday home if household contents insurance was taken out for your holiday home before you took in the refugees.

Moving out of your parents’ house is the first step towards independence. We support this step with a 35% discount on household contents insurance for young adults under 25.

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