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The protection of home contents insurance extends to the apartment or house where you live. The basic cover usually includes fire, natural hazards and water damage as well as theft. With additional cover, the protection can be extended to other scenarios. Exclusions and insured damage examples should also be taken into account when selecting home contents insurance. It is advisable to regularly check whether the insured sum is still up to date in order to be fully covered in the event of a claim.

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PERFORMANCE OVERVIEW

What is included in home contents insurance?

01

Generally

  • Household goods include all movable objects in a home, such as furniture, clothing and electrical appliances. Fixed components such as bathrooms and kitchens are not included. Additional insurance may be necessary for particularly valuable objects such as works of art or expensive sports equipment.

02

Protection against theft

  • Home contents insurance covers theft damage caused by burglary in your own home. However, if personal property such as a cell phone is stolen elsewhere, additional coverage for simple theft outside your home is required.

03

Natural events

  • Damage caused by certain natural events such as storms or lightning is covered as standard. Others, such as earthquakes, are often not included and should be checked.
F A Q

Frequently Asked Questions

These are some of the most frequently asked questions from our customers

Take photos of the damage and gather all relevant information, such as the circumstances of the damage and the time when it occurred.

Contact your insurance company immediately to report the damage. Many insurance companies offer online forms, telephone hotlines or even apps for quickly reporting damage.

Send all necessary documents and evidence, such as purchase receipts or repair cost estimates, to the insurance company.

Maintain regular contact with the insurance company to stay informed about the status of your claim.

The insurance company may appoint an expert to assess the damage.

CONTACT FORM

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We are at your disposal for all matters. Contact us now:

Headquarters

Protect Finance Group
Bahnhofstrasse 4 9100 Herisau, 
0446214007

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