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.
Insure your household contents cheaper
Up to 30% for no claim
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Properly protected with household contents insurance
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Fire: fire, smoke, lightning, explosion and implosion, falling aircraft and spacecraft or parts thereof, damage through scorching where there is no open flame
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Natural forces: avalanche, storm, hail, snow pressure, flooding and high water, landslide, rockfall and rockslide
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Theft: burglary, robbery and simple theft, malicious damage to property (vandalism) during burglary
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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
Household contents insurance offers additional cover
What cover is important to you? We recommend our optional add-ons for more 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.
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.
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.
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 or card data gets stolen, CSS will pay up to CHF 6,000 for the damage. This applies to credit, bank, post office, SIM and customer cards.
Example of premium calculation
