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Household insurance subscription

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Take cover out online
Pay monthly
Make changes at any time
Monthly cancellation option

Package

Personal liability

Bodily injury Liability for death, injuring or otherwise damaging the health of people.

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Property damage Destruction, damage or loss of property, death, injury or loss of animals.

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Additional options

Gross negligence waiver Insurance companies are entitled to reduce benefits if damage was caused by gross negligence. This supplementary insurance also protects you in the event of gross negligence, as the insurance company waives such reductions.

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Driving third-party vehicles Damage that you, as the driver of occasionally borrowed motor vehicles, cause to these vehicles.

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Household contents

Fire Damage to household contents caused by fire, lightning or explosion. Damage through scorching and damage to insured property inadvertently exposed to heat or warmth are also insured.

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Natural hazards The insurance covers damage to household contents caused by flood, inundation, storms (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides.

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Theft Damage to household contents due to burglary, robbery and simple theft. Simple theft is defined as perpetrators sneaking into the home, e.g. through an ajar window, and stealing insured property.

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Water The insurance covers damage to household contents caused by liquids leaking from pipes and installations.

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Additional options

Accidental damage to electrical equipment Electrical appliances belonging to the household contents. In other words, devices that are powered by batteries or sockets, such as cell phones, laptops, televisions or vacuum cleaners.

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Simple theft outside
the home Items that you take with you when out and about and that are stolen.

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Glass breakage
(2 options) Glass furniture
Breakage affecting glazing on furniture or glass tabletops.

All glass
Breakage affecting glass furniture and building glazing as well as glass-like building materials in your home. In addition to glass components in furniture, also breakage affecting washbasins, ceramic cook-tops and, of course, windows.

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Frozen goods Damage to your food that you store at home in freezers or freezer compartments if the appliance has failed due to a breakdown of the cooling unit and the food has spoiled.

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Choose package

Household
S

The no-frills essentials

Personal liability

Additional options

Household contents

Additional options

Package S

from 13.90 per month Calculation basis 05.02.2025

Birth date: 28.02.06
Start date: 06.01.25
Adress: 8032 Zurich
Buildings: Apartment block with max. 3 residences
Rooms: 1 rented
People: 1 adult
Furnishing standard: Basic
Sum insured: CHF 36,000

Household
M

More cover, fewer headaches

Personal liability

Additional options

Household contents

Additional options

Package M

from 30.10 per month Calculation basis 05.02.2025

Birth date: 28.02.06
Start date: 06.01.25
Adress: 8032 Zurich
Buildings: Apartment block with max. 3 residences
Rooms: 1 rented
People: 1 adult
Furnishing standard: Basic
Sum insured: CHF 36,000

Household
L

The comprehensive package

Personal liability

Additional options

Household contents

Additional options

Paket L

from 34.40 per month Calculation basis 05.02.2025

Birth date: 28.02.06
Start date: 06.01.25
Adress: 8032 Zurich
Buildings: Apartment block with max. 3 residences
Rooms: 1 rented
People: 1 adult
Furnishing standard: Basic
Sum insured: CHF 36,000

Can’t find the right subscription?

Then tailor-make your own.

Any of the additional options can be added or removed according to your needs.

What does household insurance cover?

Personal liability

Bodily injury

What is covered

The statutory liability of the insured persons for bodily injury that they cause to other persons.

Example:

You’re riding your bicycle and hit a pedestrian. The person falls, breaks their arm and suffers bruising, requiring several weeks of medical treatment, including an operation and rehabilitation. They are also unable to work for several weeks.

Cost statement in the event of a claim

Emergency treatment and hospital costs	12,500.–
Rehabilitation and physiotherapy	2,500.–
Claim total	15,000.–

Deductible	200.–
Compensation paid by insurer	14,800.–

What is not covered

Damage to people living with you.

Example:

While playing a sport, you accidentally knock over your flatmate and they suffer a knee injury. Your flatmate’s treatment costs and any loss of earnings are not covered by the personal liability insurance because they live with you.

How we help you

The insurance covers the injured party’s justified claims up to the sum insured. If any unjustified claims are made against you, these will be rejected by the insurance (referred to as passive legal protection).

Policy excess in the event of a claim

CHF 200.–

Sum insured

Select either: CHF 5 million or CHF 10

Important

Many of these costs are covered by the statutory accident insurer, who will then reclaim them from the personal liability insurance. Uninsured loss of income and other costs are covered directly by personal liability insurance.

Property damage

Additional options

Gross negligence waiver

Driving third-party vehicles

What is covered

Damage that you, as the driver of occasionally borrowed motor vehicles, cause to these vehicles.

Example:

You borrow a friend’s car and hit a post when parking. There is damage to the car but none to the post.

Cost statement in the event of a claim

Cost of repairing the borrowed vehicle	4,000.–
Damage to the post	None
Claim total	4,000.–

Deductible	500.–
Compensation paid by insurer	3,500.–

What is not covered

Damage to vehicles

Which you borrow more than 25 days per calendar year
Weighing more than 3,500 kilograms
To rental and shared vehicles.

Example:

Once a week, you drive a friend’s car to work and, when parking, you scrape against a small wall, scratching the car’s side doors.

How we help you

The insurance will cover the cost of repairing the damage you caused. If the vehicle being driven has comprehensive insurance, the insurance will cover the deductible and the loss of bonus.

How does cover for driving third-party motor vehicles work?

If the borrowed vehicle does not have comprehensive insurance:
In this case, you would need to cover the entire cost of repairing the borrowed vehicle yourself (here: CHF 4,000.–). In such cases, the cover for driving third-party motor vehicles applies and covers the costs so that you are not left with the costs of the repairs.
If the borrowed vehicle does have comprehensive insurance:
The vehicle’s comprehensive insurance covers the cost of the repairs. However, the following costs are incurred by the vehicle’s owner
- Deductible: For example, CHF 1,000.–, which must be paid by the owner themselves.
- Loss of bonus The insurance premium may rise as a result of the claim.

Cover for driving third-party motor vehicles covers both the deductible and the loss of bonus.

When is this cover particularly important?

Cover for driving third-party motor vehicles is particularly relevant if the vehicle borrowed does not have comprehensive insurance. In the event of a loss without comprehensive cover, you would need to cover the entire cost of repairing the borrowed vehicle yourself. This cover protects you from high financial charges.

Please note that this supplementary insurance covers you if the vehicle is used for a maximum of 25 days per calendar year.

Household contents

Fire

Natural hazards

What is covered

The insurance covers damage to household contents caused by flood, inundation, storms (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides.

Example:

After heavy rainfall, accumulating water seeps through the doors of your home, soaking the dining table, chairs, sofa and carpet and damaging personal items such as toys and a games console.

Cost statement in the event of a claim

Replacement of dining table and chairs	3,000.–
Replacement of sofa	2,500.–
Cleaning of carpet	600.–
Replacement of furniture	5,000.–
Replacement of damaged toys	500.–
Replacement of games console	700.–
Claim total	12,300.–

Policy excess	500.–
Compensation paid by insurer	11,800.–

What is not covered

Damage caused by water from reservoirs or other artificial bodies of water or the backflow of water from the sewerage system.

Example:

A reservoir wall breaks and floods your residence.

How we help you

In the event of a claim, the insurance will cover the cost of repairing the damaged property or compensation for the destroyed property up to the agreed sum insured.

Policy excess in the event of a claim

CHF 500.–

Note

Contents insurance covers damage to your contents such as furniture, carpets, electronics and your other household effects. Damage to permanent parts of the home, such as walls, doors or the floor, is covered by buildings insurance.

Water

What is covered

The insurance covers damage to household contents caused by liquids leaking from pipes and installations.

Example:

A water pipe suddenly bursts in your kitchen. The water cannot be stopped and soaks through your cookery books and food supplies. Furniture in the adjacent room, including your dining table, chairs and the carpet, are also damaged.

Cost statement in the event of a loss

Replacement of damaged cookery books	500.–
Replacement of damaged food supplies	500.–
Repair of dining table	1,500.–
Repair of four dining chairs	1,000.–
Cleaning and drying of dining room carpet	600.–
Replacement of sofa in the dining room	2,000.–
Claim total	6,100.–

Deductible	200.–
Compensation paid by insurer	5,900.–

What is not covered

Losses that are covered by fire and natural hazard insurance or damage caused by rainwater entering open windows and doors.

Example:

You leave the window open while you go to work. Rain gets into the living room, soaking the TV and rendering it inoperable.

How we help you

In the event of a claim, the insurance will cover the cost of repairing the damaged property or compensation for the destroyed property up to the agreed sum insured.

Policy excess in the event of a claim

CHF 200.–

Note:

Permanently installed items such as kitchen cabinets, parquet flooring or built-in electrical appliances that are part of the fitted kitchen (e.g. dishwasher or refrigerator) are part of the building and are covered by the corresponding buildings insurance. Contents insurance covers damage to your contents.

Theft

Additional options

Accidental damage to electrical equipment

Simple theft outside the home

Glass breakage (2 options)

Glass furniture (option 1)

What is covered

Breakage affecting glazing on furniture or glass tabletops.

Example:

While clearing the dining table, you drop a cast-iron pan. It hits the glass tabletop, which shatters into thousands of pieces.

Cost statement in the event of a claim

Replacement of glass tabletop	1,000.–
Claim total	1,000.–

Deductible	0.–
Compensation paid by insurer	1,000.–

All glass (option 2)

What is covered

Breakage of glass furniture and building glazing as well as glass-like building materials in your home. Besides glass furniture components, also includes broken washbasins, ceramic cook-tops and, of course, windows.

Example:

One morning, you drop a perfume bottle. It falls straight into the washbasin, causing a large crack.

Cost statement in the event of a claim

Replacement of washbasin	300.–
Cost of labour	600.–
Claim total	900.–

Deductible	0.–
Compensation paid by insurer	900.–

What is not covered

Damage to hand mirrors, spectacles and screens of all kinds (including mobile phones and other communication devices).

Example:

You sit on your glasses, breaking the lenses.

How we help you

In the event of a claim, the insurance will cover the cost of repairing the damaged property or compensation for the destroyed property up to the agreed sum insured.

Frozen goods

Read the small print (GCI)(opens in new tab)

The benefits for you

Take out policy easily online

You can take out the insurance subscription easily online in a few clicks. No paperwork or complicated consultations.

Monthly payments

Your insurance subscriptions can be conveniently paid for through your Swisscom bill as usual, in just the same way as your other Swisscom subscriptions.

Make changes any time

Need to make changes to your insurance cover? Not a problem. You can make changes to your insurance as quickly and easily as you took it out.

Monthly cancellation option

Lengthy contractual terms are a thing of the past. You can cancel your insurance subscriptions at any time to the end of the month, with no ifs or buts.

Everything in the My Swisscom app

You will find everything relating to your insurance subscription in the My Swisscom app.

	Policy, documents, bills
	Report claims
	Change cover and options

Cancellation service:
we can help you switch.

FAQs

What is personal liability insurance?

Why do I need personal liability insurance?

Is personal liability insurance compulsory?

Does it make sense to take out personal liability insurance per person or for the entire shared accommodation?

Is damage caused by my pets also covered by personal liability insurance?

Does personal liability insurance apply worldwide?

Does the supplementary insurance also apply to damage caused to third-party motor vehicles abroad?

Why do I need contents insurance?

Is contents insurance compulsory in Switzerland?

What is classed as household contents?

What is the sum insured?

What is a deductible?

We live in shared accommodation – do we each need to arrange contents insurance or can we take it out as a group?

What data does Swisscom use, how and for what purpose?

Services and further topics

Cancellation template for existing insurance(opens in new tab)	(opens in new tab)
General insurance conditions

We would be happy to advise you personally

If you have any questions, please contact the Swisscom sure Customer Care team.

Free: Lines are open Monday to Friday 8 am to 5 pm.

Make a claim

Report claims by telephone. We will redirect your call to the Zurich Insurance Company Ltd.

Free 24/7/365