In that case you should check whether the insured amount under your home contents insurance is sufficiently high, or whether individually supplementing your coverage would be a good idea. When moving to a larger home, the value of the contents often increases as well. In the event of a claim, too low a coverage can result in a shortfall in compensation. The amount insured should equate to the replacement value of all your existing possessions if they were to be purchased again as new. It is often forgotten that this includes not only furniture and clothes, but also things like, jewellery, the entire contents of cupboards and drawers, the sports equipment in the basement, and the contents of the freezer.
Do you have a new table with a glass or stone top? Or is the shower cabin in your new home made of glass? Then it is recommended that you include supplementary cover for furniture glass damage
in your insurance contract.
Do you have an expensive bicycle that is dear to you? Then you should include the bicycle option, as this provides coverage when your bicycle
is stolen, for example, from your home or from the railway station. Do you have an electric bicycle? Then the electric bicycle
supplementary option is right for you.
Things often break during moves. Although breaking glass is considered to bring luck, you want to know who is liable for any damage incurred when you move. If a friend accidentally drops something, the damage is covered by his or her liability insurance. As a rule, compensation is limited to the item's current value. All articles of daily use lose value over time, until their cost has been written off completely. In the case of consumer electronics, this can be a relatively short time.
Amend your existing home contents policy
If your household effects are already insured at baloisedirect.ch , then you can amend your existing insurance contract directly online. Please note that your premium may change if your living situation changes.
Moving to a different canton
Are you moving to a different canton? Please inform us of your new address! Please note that your premium may change when you move to a different canton.
Further useful links relating to amending your policy or registering a change of address are available on our Service page.