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Household insurance – Protecting your household

Customer satisfaction 2016

Household contents insurance insures your property, and assumes the costs of replacing your entire household contents in the event of damage by natural forces, or loss as a result of fire, theft, water damage or glass breakage.

Our product for you: Household contents insurance

Convincing advantages

  • Tailored to your personal needs
  • Your entire household contents insured at new-for-old value / replacement value
  • Choice of sum insured and contract term (3 or 5 years)
  • 10% discount for persons insured with the CSS Group
  • Up to 30% no-claims discount

Extensive cover for damage

Our household contents insurance covers the following incidences of loss or damage to your household contents, for you and everyone living with you in the same household.

  • Loss through theft:
    Burglary, robbery and simple theft, malicious damage to property (vandalism) during burglaries, damage to property, even in cases where nothing is stolen.
  • Fire damage:
    Fire, smoke, lightning, explosion and implosion, falling aircraft and spacecraft or parts thereof, damage through scorching.
  • Damage by natural forces:
    Avalanche, storm, hail, snow pressure, flooding and high water, landslide, rock fall and rock slide.
  • Water damage:
    Flooding inside buildings caused by mains water, rain, snow, melting snow, ground water, blocked drains and by water beds, aquariums, oil from heating systems or oil tanks.

Supplementary insurance

The following supplementary insurance can be taken out to round out your CSS household contents insurance:

  • Simple theft away from home:
    Up to 20% of the sum insured, up to a maximum of CHF 10,000 per loss event.
  • Glass breakage:
    Glass in buildings and furniture incl. breakage to glass-like synthetic materials in furniture.

Claim report

Report your claims conveniently online or using the claim notification form for household contents / buildings insurance. We will then contact you to discuss the next steps.

Premiums & discounts

Premiums vary depending on the chosen sum insured and the contract term. We also reward insurance years in which no claims are made by awarding a no-claims discount of up to 30%. Our client advisors will be happy to meet with you in person in your area.