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Home contents insurance

Personal Liability Package
Personal liability
Coverage: up to CHF 5 million
Deductible: from CHF 200

Home contents insurance
Coverage: up to CHF 200,000
Deductible: from CHF 200

Home Contents Package
Personal liability
Coverage: up to CHF 5 million
Deductible: from CHF 200

Home contents insurance
Coverage: up to CHF 200,000
Deductible: from CHF 200

Personal Liability Package

What are the distinctive features of the Personal Liability Package provided by baloisedirect?
  • Worldwide insurance against financial claims asserted by third parties
  • Cover of costs incurred in the defence of unjustified claims (claims to recourse) asserted by third parties and for the legal representation of the insured
  • All persons living in the same household, regardless of age and employment status, are covered by the family insurance policy
What is personal liability insurance?
  • This insurance covers the costs in the event that you cause damage to third parties.
Supplementary options under the Personal Liability Package
  • Insurance cover for the occasional use of motor vehicles owned by third parties
    • Motor vehicles up to 3,500 kg
    • Motorcycles
    • Trailers
    • Waterborne vessels

Home Contents Package

What are the distinctive features of the Household Package provided by baloisedirect?
  • The package includes both personal liability insurance and home contents insurance
  • Worldwide insurance against financial claims asserted by third parties
  • Cover of costs incurred in the defence of unjustified claims (claims to recourse) asserted by third parties and for the legal representation of the insured
  • All persons living in the same household, regardless of age and employment status, are covered by the family insurance policy.
  • We insure you as the owner and resident of your home (up to three residences).
What is personal liability insurance?
  • This insurance covers the costs in the event that you cause damage to third parties.
What is household contents insurance?
  • Insures your household contents against damages from:
    • Fire
    • Natural hazards
    • Theft and burglary
    • Water
    • In addition, you can insure against breakage of glass

Supplementary options

Supplement your personal insurance cover:

Simple theft of items off premises

Insurance cover to suit your requirements: 

  • CHF 2,000
  • CHF 3,000
  • CHF 5,000

Simple theft of items off premises
The insurance covers the loss of your personal effects as a result of theft when outside your home.

If, for example, your handbag is stolen by a pickpocket while you are out, this policy covers the loss.

The supplementary option "simple theft off premises" provides cover against the financial consequences of the following events:
  • Theft that is deemed neither burglary nor robbery
  • Theft resulting from your vehicle being broken into
  • Pickpocket and trick theft

The following events are not covered by this supplementary option:
  • Damage caused by losing or misplacing articles
  • Cash losses resulting from simple theft
  • Cash withdrawals or purchases of goods using a debit card, credit card, customer card or similar card, regardless of how the card was lost

Damage to glass in furniture

This supplementary option covers the costs of breakages of:
  • Glass furnishings
  • Stone table tops
  • Glass damage resulting from civil unrest
  • Costs of emergency glazing
Glass-like materials such as Plexiglas and other similar plastic materials used instead of glass in furniture are also insured.

Damage to glass in buildings

This supplementary option covers the cost of breakages of:
  • Glass in buildings
  • Sanitary facilities made of glass, plastic, ceramic, porcelain or stone
  • Ceramic glass cooking tops
  • Kitchen counters made of stone
  • Skylights
  • Glass in solar panels
  • Facades and wall coverings made of glass
  • Glass damage resulting from civil unrest
  • Costs of emergency glazing
Glass-like materials such as Plexiglas and other similar plastic materials used instead of glass in buildings are also insured.

Bicycles

This option provides insurance for your bicycle at your place of residence and also away from the insured location. This insurance applies if, for example, your bicycle is stolen from your home or from the railway station.

Electric bicycles / mopeds

This option provides insurance for your electric bicycle or moped at your place of residence and also away from the insured location. This insurance applies if, for example, your electric bicycle or moped is stolen from your home or from the railway station.

Skis / snowboards

Select this option if you want to insure your skis at the insured location as well as off premises. This will ensure that you can replace your skis, mono skis, snowboards or Big Foots if they are stolen, for example, from your home or when visiting a mountain restaurant when skiing.

Property owner's liability

With this additional insurance option, you are insured as the owner of owner-occupied houses and holiday homes (up to three residences) against financial claims made by third parties.

This option is also suitable for owners of commonhold apartments who require cover in addition to the liability insurance of their commonhold association.

The cover provided by the property owner's liability insurance only pays out if the claim exceeds the cover limit of the liability insurance of the commonhold association.

Damage to occasionally used motor vehicles belonging to third parties

If you sometimes use motor vehicles owned by other people, you can insure yourself with this additional option against any resulting damage that you may cause. This insurance covers occasional use up to six times in the past three months.

For holiday trips you are insured throughout the duration of the holiday.

If, for example, you cause an accident while driving a vehicle belonging to your work colleague, baloisedirect covers the financial consequences of the damage to your colleague's vehicle. If the vehicle has comprehensive insurance that covers accidental damage, baloisedirect will cover the deductible and the loss of any no-claims bonus under the comprehensive insurance policy.

This insurance applies to the following types of vehicle:
  • Motor vehicles up to 3,500 kg
  • Trailers pulled by motor vehicles up to a total weight of 3,500 kg
  • Waterborne vessels

Carefree safety module

With our Carefree safety module for home contents insurance or personal liability insurance, we are the only insurer in Switzerland to provide cover for costs relating to damage caused by grossly negligent behaviour – without reducing the benefits.

This safety module also includes numerous special services relating to burglaries, such as the reimbursement of costs for cleaning or moving house after a burglary, and paying for a self-defence course after a robbery or for psychological counselling.
 

Swiss Pocket Knife safety module

With our Swiss Pocket Knife safety module, we provide the three additional services of home assistance, major claims service and payment protection:

In the case of problems occurring in the home, such as damage due to plumbing issues or being locked out of one's home, we will pay the costs incurred and arrange help from specialists - quickly and easily.

In the event of a major claim, we will arrange all the necessary work by tradespeople and pay you a lump sum of CHF 10,000 so you can buy new furniture or take a recuperative break.

In the case of credit or debit card misuse or the fraudulent use of your online bank account, we cover financial losses of up to CHF 10,000.
 
 
Please note that Baloise Insurance only provides information officially in German, French and Italian.

This means that you will receive all official documents, such as policy documents, invoices, Terms & Conditions, etc., in a choice of German, French or Italian. If you have any queries regarding our online insurance solutions, please contact us or arrange an appointment for us to call you.

 

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