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Household inventory insurance in Switzerland is a form of insurance that offers protection for personal property and possessions inside your home. It aims to cover loss or damage caused by events such as theft, fire, water damage or other natural disasters.
Household inventory insurance works by allowing you to declare the value of your personal possessions and take out an insurance policy accordingly. You'll need to provide an estimate of the total value of your possessions, including furniture, appliances, clothing, jewelry, electronics, etc.
Household inventory insurance: A multi-risk policy
Once you've taken out household inventory insurance, your possessions will be covered in the event of theft, accidental damage or destruction caused by events specified in your policy. Coverage may vary depending on the insurance company and policy you choose.
It's important to note that household inventory insurance generally does not cover professional or commercial property , motor vehicles, pets or high-value items such as works of art or collectibles. For these specific assets, you may need additional insurance.
Comparea helps you see more clearly
In the event of a claim, you will generally report the incident to your insurance company as soon as possible. You'll need to provide proof of ownership, such as purchase invoices, photos or a detailed list of damaged or stolen goods. Your insurance company will then assess the claim and compensate you based on the value of the property lost or damaged, less any applicable deductible.
It is recommended that you keep an up-to-date inventory of your property to facilitate the claims process in the event of a loss. You can keep purchase invoices, take photos of your belongings and keep them in a safe place, or use mobile apps specially designed for household inventory.
To remember
In conclusion, household inventory insurance in Switzerland offers protection for personal property and possessions inside your home. It works by allowing you to declare the value of your belongings and take out an insurance policy accordingly. In the event of a claim, you will need to report the incident to your insurance company and provide the necessary evidence to obtain compensation.
Updated on: 22/01/2024Written by Antoine LégerHead of non-life insurance department at Comparea.To learn more about our team click here.