Property & everyday insurance · Module 11

When your home
takes damage

Fire, water, theft – contents insurance replaces your belongings.

☂

Securing the home

The cover

The core perils

Fire & naturalfire, storm, flood

Water & theftand glass breakage

Replacement valuenot current value

The common mistake

Sum too lowleads to a cut

Proportionaleven for partial damage

Rightsum equals full replacement value

Where it applies

At homethe location

Awaythe outdoor cover

Theft awayonly as an add-on

Details

Deductiblestatutory for natural hazards

Indexoffsets inflation

Check periodicallyafter larger purchases

Good to know

💡 First step: For contents insurance the right sum is decisive – check it regularly so you're fully compensated when it counts.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg