simpego Home, the convenient combined solution for personal liability, home contents and buildings insurance. Compare our different packages for home contents insurance, which can also be combined with liability and buildings cover according to your needs.
The basics
Well-covered
Extra peace of mind
With our home contents insurance, you can pick and choose the exact cover you need for specific items and risks.
If a particular combination is not available through our website, simply contact us at service@simpego.ch.
The following are insured:
Insurable amount:
Insured risks:
Insured are:
Insurable sum:
Insurable risks:
Insured is:
household effects carried on journeys
Insurable sum:
Sum of CHF 0 - 10,000 freely selectable. Costs for necessary replacement luggage are always insured up to CHF 2,000 per claim.
Insurable risks:
Insured are:
Insurable sum:
Insurable risks:
Insured are:
insurable sum:
Insurable risks:
Insured are:
Contents of the mobile home / caravan:
Mobile homes / caravans parked at another address:
Insurable sum:
Insurable risks:
The following can be insured:
These are explicitly listed in the contract.
Insurable risks:
The following are insured:
Fire damage, including scorching damage and friendly fire damage. The insurance also covers the spoilage of frozen food in the event of a technical failure of the cooling unit or an unplanned power outage.
In the event of an unplanned power outage, the insurance also covers the contents of aquariums and terrariums.
The insurance also covers current damage, i.e. damage to live electrical devices, machinery and cables due to the impact of electrical energy itself, or due to overvoltage or a heating effect caused by overload.
Damage due to misplacement as a result of fire damage is also insured.
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Natural damage caused by high water levels, flooding, storm, hail; avalanches; snow pressure; rockslide; rockfall; landslide.
The insurance also covers damage due to misplacement as a result of natural damage.
Deductible:
Due to the applicable regulations, the deductible is always CHF 500 and cannot be changed.
The following are insured:
Water damage due to water and other liquids and gases escaping from pipes, due to the flow of liquids out of aquariums, waterbeds, mobile pools, etc., due to the ingress of rain, snow and melt water from the outside.
The insurance also covers damage due to misplacement as a result of water damage, as well as costs for the thawing and repair of frozen or frost-damaged liquid-carrying pipes and the connected equipment that you have installed inside the building as the tenant or inside the mobile home/caravan as the owner.
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Theft damage due to robbery, burglary or simple theft at home.
Robbery:
The following are insured: Damage caused by theft involving the threat or use of force against insured persons or against a person working in the home of the policyholder as well as damage caused by theft in the case of an inability to resist due to death, loss of consciousness or accident.
Burglary:
The following are insured: Damage caused by theft as a result of forced entry into a building/mobile home/caravan or into a room or container located within. Burglary also includes theft by means of opening locking mechanisms using the correct keys or codes (provided that the perpetrator has obtained these keys or codes through burglary, robbery or simple theft) and damage caused by perpetrators who are locked in and who forcibly break out of a building/caravan/mobile home or out of a room within (break-out theft).
Simple theft at home (at the insured location):
Damage caused by theft that is not classed as either robbery or burglary (e.g. pickpocketing and theft involving deception) is insured. Theft from all types of vehicles, boats and ships at the insured location if they have been broken into (exception: mobile homes/caravans, which fall under burglary). Simple theft also includes damage caused by sneaking or breaking into mobile structures (summer houses, chicken coops, etc.)
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Damage caused by theft that is not classed as either robbery or burglary (e.g. pickpocketing and theft involving deception). Theft from all types of vehicles, boats and ships outside of the insured location if they have been broken into (exception: mobile homes/caravans, which fall under burglary).
Insurable amount:
Home contents, gardens, luggage and third-party property up to CHF 10,000
Valuables up to CHF 50,000
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Glass breakage, i.e., the breakage of glass furniture. If required, the insurance can also be extended to cover breakage of construction glass and sanitary facilities.
Glass furniture, including the glazing of mobile structures:
Construction glass on premises used by the policyholder:
Sanitary facilities:
Washbasins, sinks, shower trays and bathtubs, toilets including cisterns, and bidets, including installation costs, installation accessories, fittings, and necessary repair costs for the chipping of the enamel coating.
The cover for glass breakage also extends to paintings, scriptures, window films and etched and sand-blasted glass. The insurance also covers consequential damage to home contents and to the caravan/mobile home up to a total of CHF 5000. Consequential damage to the building is only insured if the construction glass or sanitary systems have been included in the insurance cover.
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Damage due to accident-related, sudden, unexpected, violent external effects (e.g. accidentally dropping items). In the case of electrical devices, the insurance also covers damage caused by the influence of electricity and damage caused by liquid and moisture.
Among other things, the insurance does not cover items permanently located outdoors, damage to pets and soiling or damage caused by pets, as well as paint, scratch, and splinter damage.
Insurable amount:
Home contents, gardens, luggage and third-party property up to CHF 10,000
Valuables up to CHF 50,000
Deductible:
0% – 50% (can be set by the policyholder). In the event of a claim, this is defined as a percentage of the damage amount, up to a maximum of the insured amount.
The following are insured:
Damage caused by earthquakes and volcanic eruption.
The insurance also covers damage due to misplacement caused by fire, natural events, water-related incidents or glass breakage as a result of an earthquake.
Deductible:
0% – 50% (can be set by the policyholder). In the event of a claim, this is defined as a percentage of the damage amount, up to a maximum of the insured amount.
The following are insured:
Transport damage that occurs during the transportation of the insured item.
The insurance also covers damage due to loss or delayed delivery when transportation is performed by a transport/travel company or similar.
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
The following are insured:
Damage caused by loss and other misplacement.
Deductible:
CHF 0 – 10,000 (can be set by the policyholder).
simpego provides an underinsurance waiver in the event of partial or total damage (except for natural damage).
simpego provides an under insurance waiver in the event of partial or total damage (except for natural damage).
Additional costs
The following are insured:
Costs that are incurred in connection with insured damage:
Additional living expenses
Insurable amount:
The insured sum is defined by the policyholder as a percentage of the insured amount for the item (0% – 100%).
Example: If the insured amount for contents insurance is CHF 100,000 and additional costs of up to 20% of this amount are insured, then the maximum compensation for additional costs will be CHF 20,000.
Deductible:
none
The following cover is always included:
Future risks cover of 10% of the insured amount for new purchases and increases in value.
The future risks cover does not apply for cover agreed on a first risk basis, i.e. if the insured amount is lower than the full value of the item (simple theft outside the home, accidental damage and additional costs).
In the event of damage caused through gross negligence, there is no reduction of benefits and no claims for recourse will be made against the insured persons.
Emergency trades person service
Valid: in Switzerland
simpego organises and covers the costs for specialists and tradespeople up to CHF 2000 per event in emergency situations that require immediate intervention (e.g. pipe cleaning, repair of defective sanitary facilities, repair of defective heating, air-conditioning and ventilation systems, etc.).
The insurance also covers the removal or relocation of wasp, hornet or bee nests and the control of ants, cockroaches, silverfish, mice, rats, and bedbugs.
Loss of keys:
Valid: worldwide
Your keys (e.g. house keys of homeowners): simpego will cover the costs of up to CHF 2000 for a locksmith as an emergency measure and for replacement keys, and in the event of the loss (including misplacement) and damage of keys, badges or magnetic cards or in the event of the unforeseen inoperability of locking systems. The insurance also covers accidentally being locked in and locked out and an insured person no longer being able to open entrance doors themselves as a result of illness, loss of consciousness or death.
Third-party keys (e.g. rental properties): simpego will cover the costs for a locksmith as an emergency measure and assume any liability claims made against you and the defence of any unjustified liability claims in the event of loss (including misplacement and theft) and damage.
Bike assistance:
Valid: in Europe
All insured people are insured as the driver or passenger of bicycles, electric motorbikes and electric bikes with assistance up to 25 km/h, mobility scooters with electric motor, wheelchairs and electric wheelchairs.
In the event of breakdowns (including discharged batteries or loss of vehicle key), traffic accidents and theft or malicious damage to the vehicle, simpego will cover costs of up to CHF 2000 per event, such as for breakdown assistance, return or continued travel via an alternative means of transport if it is not possible to repair/recover the vehicle on the same day.
To take out 24 h home assistance cover, it is not necessary to take out
home contents or buildings insurance at the same time.
Insured benefit:
In the event of accidents involving persons, simpego will pay a hospital daily benefit (Basic: CHF 50/day; Plus: CHF 100/day) and will pay out a compensation amount in the event of death (Basic: CHF 10,000; Plus: CHF 15,000). If a
pet that is being carried in the vehicle is injured, simpego will cover the costs for the treatment up to CHF 2500.
Insured vehicles:
Electric motorbikes and electric bikes with assistance up to 25 km/h, mobility scooters with electric motor, wheelchairs and electric wheelchairs.
To take out accident insurance, it is not necessary to take out home contents or buildings insurance at the same time.
Insured benefit:
In the event of involuntary unemployment, simpego will cover
To take out unemployment cover, it is not necessary to take out home contents or buildings insurance at the same time.
The following are insured:
Definition of shared household:
All persons who are registered at the same address and who together form a community of residents, whether as a family or another living arrangement.
The cover is valid:
The cover is valid:
At the workplace of insured persons (except on building sites) up to CHF 2000. Cash assets and simple theft in the workplace are not insured.
The cover is valid:
Anywhere worldwide, as long as the insured item is not located outside of the insured location for more than 2 years. However, glass breakage and simple theft at home are not covered in this case.
The cover is valid:
For normal, private use of the insured items
During relocation
Transport damage during relocation:
Even if no accidental damage cover for home contents has been taken out, the following are also covered:
This applies whether you complete the relocation yourself or you use a transport/relocation company.
The cover is valid:
During transportation of the insured items in a private or rented vehicle.
The cover is valid:
During transportation of the insured items by a transport/logistics/travel company or similar company with head office in Switzerland or a neighbouring country (e.g.shipments from online commerce)
Transport damage:
Lost or damaged items are covered up to CHF 500, even if no cover has been taken out for accidental damage, loss or transport damage. The cover is valid for a maximum of 1 claim per year.