House Contents All Risk Insurance

Dancing couple on the porch

House Contents All Risk Insurance

The premium solution with comprehensive insurance cover for customers with upmarket household contents. 

Good reasons for the House Contents All Risk Insurance


Your fault or not

Water or coffee poured over the new laptop? Even if you cause the mishaps yourself, you are fully covered.

Lost, stolen or damaged

If a pickpocket runs off with your designer handbag, it's definitely annoying. But no matter whether it's stolen or lost, we will replace your bag and its contents.

More protection for your pets

If your dog's hind leg gets caught between the fence and the garden gate during a walk, it hurts a lot. But don't worry, we'll pay for the medical costs. Pets are included in every Household Contents insurance policy, but All Risk insurance goes even further and makes pet accident insurance superfluous.

Information and frequently asked questions about the House Contents All Risk Insurance

What is covered by the Household Contents All Risk insurance?

Your household contents are insured against loss, damage and/or destruction. In contrast to traditional insurance policies, the All Risk insurance does not only cover certain risks. It goes one step further and uncompromisingly covers all damage that is not expressly excluded. As a result, you enjoy all-round protection and can do without many additional insurance policies. For example, sports equipment and laptops are also insured against external damage, such as being dropped. In normal household contents insurance, an additional household/electrical damage insurance is needed for comprehensive protection of such devices. Play it safe with the All Risk insurance.

When is a Household Contents All Risk insurance policy worthwhile?

Do you like beautiful design classics and expensive watches? Then don't leave anything to chance. The All Risk insurance offers comprehensive protection so that you can enjoy your life without worrying. Household Contents All Risk insurance is suitable for all those who have upmarket household goods. From a sum insured of 150,000 Swiss francs, you can choose uncompromising All Risk protection.

What is the difference to traditional household contents insurance

Household contents are covered by both insurance products. The difference, however, is that the All Risk insurance is aimed at customers with upmarket household contents, and the cover is more comprehensive than with conventional household contents insurance. This means many additional insurance products are no longer needed.

All Risk insurance focuses on what is really important to you: cover of damage to the contents of your household. Even if this happened because of a mishap, it will be paid for.

Do I still need valuables or bicycle insurance if I have Household Contents All Risk insurance?

You no longer need separate bicycle insurance. 

With valuables, on the other hand, the situation is different: With household contents, for example, jewelery is only insured up to 20% of the selected sum insured (up to a maximum of CHF 30,000) in the event of theft, unless it is stored in a walled-in safe, for example. If your jewelery is worth more, it's advisable to take out a separate valuables insurance policy, which allows you to insure individual items specifically and for higher sums.

I have a very high standard of living, is there a special solution for me?

Yes, there is. For wealthy customers, there is the Exclusive All Risk insurance. This is an offer that complements the All Risk household contents and valuables insurance optimally. You benefit from a customized insurance solution as well as individual advice from our experts. For sums insured of CHF 500,000 or more for household contents and CHF 250,000 or more for valuables, you can ask our experts to assist you.

Couple with son at the waterfront of their family home

Exclusive All Risk: Customized protection for wealthy customers

With Exclusive All Risk, discerning customers with extensive assets benefit from customized insurance cover and individual advice from our experts. For sums insured of CHF 500,000 or more for household contents and CHF 250,000 or more for valuables, you can ask our experts to assist you, who will find an appropriate solution for you.

Contact your advisor for more information or get advice from our agency.

Further products and services

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Contents Insurance

Contents insurance gives tenants and owners comprehensive coverage for their worldly possessions.

Immediate help with repairs

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.

Personal Liability Insurance

Private liability insurance

A claim involving third parties or property can quickly become expensive. Private liability insurance gives you comprehensive, worldwide coverage.

Living guide

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Household contents insurance: how to protect yourself against underinsurance

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