Property damage from fire, lightning, explosion, plane crash, soot / smoke, radioactive isotopes as well as scorching and braising damage and indirect lightning damage.

Property damage from storms, hail, snow pressure, roof avalanches, rockfalls, landslides, radioactive isotopes, floods, flooding, mudslides and avalanches or avalanche pressure.

Covers cost of provided assistance (e.g. mechanical service, plumber service).

Compensation obligations due to legal liability provisions of private law content. Assumption of the costs for the determination and defense against alleged private liability claims.

Private and sports liability with extended coverage is includes:

• Babysitters & AuPairs
• non-commercial accommodation
• undeveloped property
• Dog liability (for a dog)
• Private roads and forest property
• Insurance protection for 3 generations (including parents and children of the policyholder living in the same household)
• Bad debt insurance

Covers expenses such as accomodation/rental in case property is fully uninhabitable due to damage from insured risks, removal or debris and necessary dismantling/demolishing of parts of damaged property.

Property damage to the contents of the home due to tap water from pipes, fittings, connected facilities, aquariums, water beds, heating systems, water supply systems, swimming pools and whirlpools as well as damage from radioactive isotopes. The insurance also covers frost damage to equipment and fittings connected to pipelines and to heating systems that are part of the home.

Panes belonging to the apartment as well as lead and brass, art glazing, also the building glazing of insured premises (except shared rooms in apartment buildings), interior glazing of furniture and mirrors, aquariums, terrariums, ceramic and induction hobs, oven glasses, microwaves, glass shelves of refrigerators and freezers, glass sanitary facilities.

Damage caused by attempted and accomplished burglary, simple theft, robbery or vandalism in the context of burglary. Insurance cover also applies to cloakroom lockers and rented self-storage compartments.

Property damage caused by by direct, malicious destruction or intentional damage by third parties.

Property damage as a result of light, heat and explosion-like phenomena caused by electrical current (e.g. excessive current, overvoltage, short circuit, contact error, earth fault).

Covers damages to property caused by an earthquake.