Home contents insurance – your home optimally protected

With simply, you’ll find the right Helvetia home contents insurance to protect your furniture, clothing, electronics and valuables from damage.

Why is Home contents insurance beneficial?

Basic home contents insurance coverage at a glance

Whether fire, water, or theft – with Helvetia home contents insurance, your personal belongings are comprehensively protected. All movable items in your home are insured – at their replacement value.

For example, the insurance coverage applies if:

Your home furnishings are damaged by a fire

Water enters your home due to a storm and damages items

A burst pipe causes water damage or gas leakage

Additional coverage options – as unique as your daily life

Supplement your home contents insurance specifically with additional modules that suit your lifestyle. This way, your possessions are optimally protected not only at home but also when you’re out and about.

Theft away from home

Was your smartphone stolen on the train? This additional insurance covers the loss – even outside your home.

Motorcycles and electric bicycles

Protects e-bikes and mopeds starting at 25 km/h against theft, damage, and loss.

Home contents all risks

Additional protection against loss or damage of all kinds – e.g., if your phone falls or your luggage is lost while traveling.

We're here to help video consultation

Personal, digital, flexible: our video consultation answers your questions.

Combo discount

Combine two Helvetia products (e.g., home contents and personal liability insurance) and receive a 5% discount; each additional product provides an extra 5%, up to a maximum of 20%.

Frequently asked questions

1. Is home contents insurance mandatory for me?

Home contents insurance is voluntary in most cantons. Exceptions are the cantons of Nidwalden, Vaud, Fribourg and Jura. In these cantons, there is mandatory cantonal home contents insurance.

2. How do I calculate my home contents insurance sum insured?

The easiest way to calculate the sum insured is with our online calculator. To check the sum insured more precisely, we also provide you with an inventory list.

3. What do I need to consider for my home contents insurance when moving?

During the move, your home contents are insured at both locations. Please inform us of your new address within 30 days.

4. How can I change or cancel my home contents insurance?

Home contents insurance is concluded for a contractually agreed-upon duration. Subsequently, the contract automatically renews for one year. Cancellation of home contents insurance is possible in the following cases: