Valuables insurance in Switzerland

What is it?

Dedicated cover for valuable belongings

It allows you to insure separately a watch, piece of jewelry, artwork, instrument or equipment whose value exceeds the limits of a standard policy.

Mandatory?

No, but often essential

It is not required by law, but it prevents a household insurance limit from leaving a large part of a claim at your expense.

Key point

Proof of value

Invoice, appraisal, certificate, photos and serial number are essential to insure the item correctly and facilitate compensation.

Why specific coverage?

In Switzerland, jewelry, watches, instruments or artworks may be part of household insurance. But standard policies often set limits for valuables, sometimes around 10,000 to 30,000 francs depending on the policy, especially if they are not kept in a safe or are stolen away from home.

Valuables insurance is used to declare certain items individually, with a defined sum and more precise conditions. Depending on the insurer, it may cover theft, break-in, robbery, loss, damage or destruction, sometimes worldwide.

Solution

When it is enough

Limit to check

Household insuranceHome basis

For everyday contents: furniture, clothing, standard electronics, personal effects and usual items.

Sub-limits for jewelry, watches, art, instruments and items outside a safe or away from home.

Simple theft outside the homeHousehold option

For a phone, bicycle, bag or everyday item stolen away from home.

Limit per claim, deductible, excluded items, travel or vehicle conditions.

ValuablesDedicated cover

For a listed item: luxury watch, jewelry, painting, instrument, collection or high-end equipment.

Required evidence, insured value, required security, loss or worldwide cover.

The right protection is decided item by item

1Identify

We list items that exceed usual limits or that you often take with you.

2Document

We gather invoices, certificates, photos, serial numbers and recent appraisals.

3Compare

We check whether household insurance, an outside theft option or a dedicated policy is the right choice.

4Secure

We check safe, alarm, transport and supervision conditions to avoid refusals.

What objects may be affected?

The most common cases are jewelry, wedding rings, rings, watches, gemstones, artworks, paintings, sculptures, collections, musical instruments, cameras, home cinema, luxury bags, glasses, hearing aids or expensive sports equipment.

Cash, payment methods, undeclared precious metals or items left unattended may be excluded or heavily limited depending on the conditions. This is why a precise reading of the policy matters as much as the premium amount.

Common pitfalls we check

The problem often appears only at claim time: the item is indeed “in the household”, but not sufficiently insured, not sufficiently documented or not covered in the real situation.

Limit too lowA watch or piece of jewelry can by itself exceed the household policy sub-limit.

Theft away from homeSimple theft outside the home is not always included and often remains capped.

Insufficient proofWithout an invoice, certificate, photo or appraisal, the compensation discussion becomes more difficult.

Required securityA locked safe, alarm or active supervision may be required for certain amounts.

I already have this policy, how can I cancel or switch insurer?

Before switching, check the renewal date, the list of insured items, declared values, deductible, worldwide cover and security conditions. Do not cancel a dedicated policy before the new one confirms each item and each amount.

When to request an analysis?

An analysis is useful after a major purchase, inheritance, gift, updated appraisal, move or household insurance update. It is also recommended if you often travel with your belongings, regularly wear a luxury watch or own a collection whose value changes.

Finwise vérifie aussi les liens avec la responsabilité civile privée, la protection juridique privée et l’assurance ménage.

With Finwise

We protect the real value, not just the category

We compare limits, exclusions, required evidence, away-from-home cover and worldwide options with our partners. You know which items to keep under household insurance and which to insure separately.

Coordinate your items with the rest of the household

Valuable items should not create overlaps or grey areas. These pages help you organize the overall cover for your home and private life.

Household insurance Private liability insurance Private legal protection

Insure my valuables See household insurance

Let’s talk about your needs

Tell us about your situation in a few lines. A Finwise adviser will contact you to clarify your options and compare suitable solutions.