Household contents insurance at a glance
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Comprehensive protection against damage caused by fire, water, storms, burglary and more
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The insurance covers furniture, clothing, jewellery, electronic devices such as televisions or laptops, smartphones and sports equipment
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Individual insured sum tailored to furnishing standard
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Compensation at replacement value
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Additional insurance cover available
Benefits under household contents insurance
Call 0800 800 688 to get support in organising any necessary immediate measures for selected scenarios 24 hours a day, 365 days a year. We also cover costs arising up to CHF 1,000.
Basic cover under Visana household contents insurance extends to the following types of loss:
- Theft: This includes theft following forcible entry, robbery and simple theft at home. We cover the financial consequences if criminals gain access to your home and steal or destroy property.
- Fire: Insurance covers damage caused by fire, smoke, lightning, explosions and more.
- Natural hazard events: Natural hazard events include damage caused by storm, hail, high water, landslides, flooding and more.
- Water: Water damage caused by the escape of water from water pipes, heating systems as well as water beds, aquariums or humidifiers is covered.
- 24/7 home assistance: No need to panic in an emergency! You get immediate assistance from us, for example, in the event of a fault in the heating or plumbing system or for pest control, and also if you have lost your keys.
Extend basic cover to suit your needs. A selection of the most important additional coverage is provided below:
- Off-premises simple theft: Your belongings and luggage are covered against loss and damage at and away from the insured location.
- Theft and malicious damage to mopeds and e-bikes: The insurance covers the theft of mopeds and e-bikes with yellow number plates, and any deliberate damage or destruction by third parties.
- Comprehensive household contents: Accidental damage to electronic devices, sports equipment, musical instruments, jewellery, watches, drones, hearing aids as well as corrective glasses and sunglasses is covered.
- Glazing in movable property: Breakage of glazing in movable property including table tops in natural or artificial stone is covered.
Would you like an overview of all benefits under Visana’s household contents insurance? Then please refer to our overview of benefits for household contents and building insurance.
Discounts on household contents insurance
Discounts you can benefit from when you take out household contents insurance:
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You qualify for a 10% premium discount if you also take out building and personal liability insurance with us, in addition to household contents insurance.
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You and your family members benefit from a 10% discount on the premium for your household contents insurance.
Is Visana’s household contents insurance right for you?
Household contents insurance is generally recommended for all persons running a household and living in Switzerland. The insurance covers damage to the movable property in your home or in the building. The type and level of cover is dependent on your personal circumstances and the total value of your household contents.
How household contents insurance works
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Document any damage as precisely as possible. Take photographs or videos of the damage and create a list of the items that were damaged or stolen.
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Hold on to all records and receipts documenting the value of the damaged or stolen property.
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Report the loss to us as quickly as possible online, by email to directa.schaden@visana.ch or by calling 031 357 69 10 and we will take care of the rest.
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If the loss is covered by your insurance, you will receive a payment after the claim has been reviewed, less the retention fee.
Emergency?
In an emergency you can call our Visana 24/7 home assistance service around the clock – including at weekends.
Your advantages with household contents insurance from Visana
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No deductible for damage caused by fire or water, or for glass breakage
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Comprehensive household contents insurance also covers sunglasses, corrective glasses, hearing aids and drones
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24/7 home assistance for immediate help in emergencies, e.g. covering the costs of a door-opening or pipe-cleaning service
We will gladly take the time to give you a no-obligation explanation of the advantages of our household contents insurance.
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Frequently asked questions about household contents insurance
Household contents insurance covers your personal property such as furniture, clothes, electrical devices and sports equipment at home. It applies, for instance, in the event of damage caused by fire, water, theft following forcible entry or natural events such as storms or hail.
Personal liability insurance is applicable if you unintentionally cause harm to another person or damage their property. This can happen, for example, if you damage a parked car with your bicycle or inadvertently break something as a guest in another person’s home.
Household contents insurance provides financial compensation for any movable items in your household that are damaged as a result of particular unforeseen events such as fire, lightning, flooding or mains water damage, or that are stolen during a burglary. Events of this type can soon lead to high financial costs without household contents insurance.
The insurance covers all movable items in your household – that means everything that is not fixed to the fabric of the building. This includes, for instance, furniture, electrical appliances, clothes, books, jewellery, sports equipment and leisure items.
These things are protected against fire, mains water damage, theft following forcible entry and natural events such as storm or hail. It is also possible to insure risks such as broken glass, simple theft or bicycle theft.
Any objects fixed to the physical building – i.e. anything structurally incorporated into the property – do not constitute household contents. These include, for example, fitted kitchens, flooring, bathroom fixtures and heating systems. These are covered under buildings insurance and not household contents insurance.
Household contents also do not include motor vehicles such as cars and motorcycles, tools and objects belonging to the employer or monetary valuables entrusted for safekeeping (e.g. cash belonging to a neighbour in the event of theft following forcible entry).
The insured sum for your household contents is obtained from the number of rooms occupied and the number of people living in the household. The basic insured sum is determined according to the furnishing standard – expensive furniture and electronics will, for instance, increase this figure. The various characteristics are declared when taking out insurance, and on this basis a lump-sum basic insured sum is proposed.
The deductible is the amount that you have to pay yourself in the event of a claim before the insurance covers the rest. You can choose this amount yourself, setting a deductible of CHF 200, CHF 500 or CHF 1,000. The higher the deductible, the lower the annual premiums for household contents insurance.
24/7 home assistance can help you organise any necessary immediate measures in the following scenarios. We also cover costs arising up to CHF 1,000.
- Immediate measures as a result of emergencies in the event of an insured incident
- Locksmith service in the event of lost home keys, locked-in keys or defective locks
- Emergency locks
- Defective heating, air conditioning, ventilation, sanitary and electrical systems
- Pipe cleaning service upon blocked water pipes
- Pest control (cockroaches, rats, mice, moths, ants and silverfish)
- Removal of wasps’, hornets’ and bees’ nests
- Data recovery
Important: Any tradesperson must be arranged via home assistance. If you arrange a tradesperson yourself, the resulting costs will not be covered!
Downloads
Overview of benefits
Conditions of insurance
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