Property
Home contents insurance -
All Risk
With an all-risk insurance policy, you leave nothing to chance. This means that all household goods are insured against damage and loss. In addition, gross negligence, loss of keys, data recovery in the event of a cyber attack or even an emergency tradesman service can be taken out. If the insured sum is CHF 1 million or more, the companies will want to inspect the property. Obrist Helps will accompany you from the start and ensure that you are looked after discreetly and professionally.
Building insurance
In almost all cantons, building insurance is compulsory and must be insured through the cantonal building insurance. Building insurance from private companies serves as a supplement and offers valuable protection in the event of damage. Exceptions are: Geneva, Uri, Schwyz, Ticino, Appenzell Innerhoden, Vallis and Obwalden. In these cantons, companies insure the entire risk.
The property itself and the land as well as other buildings in the surrounding area are insured.
The building is insured for its replacement value. Basically, everything that is "permanently" installed is insured - e.g. heating systems, solar systems, toilets, doors and built-in cupboards against natural hazards, fire, theft, liquids and broken glass.
