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Your Home
Insurance Terminology GLOSSARY click here...
All about your Home:
How and where to get your Home
- Our partner can assist you with:
- Relocation 5 star service to get to your need...
- Buying, renting or saling an apartment or a house...
- Deciding where to live...
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Relocation and Concierge services in Switzerland
Expat Concept Sàrl
By working with us, you can enjoy a stress-free life.
If you are coming, if you are already in Switzerland, then you have found the right people.
We help you with international employee-transfers personally, professionally, quickly, and reasonably. With also, all sorts of concierge service.
We will be your partner on a daily basis. We will provide you with the help you need to find the balance in your life.
- Relocation, accommodation
Purschasing, organising your futur home (hotel, apartments, flats, houses)
- Insurance and finance
Insurance and financial advice with an expert who analyse your need.
- Car broker
Purschasing car, organizing registration, importation, car body work services...
- Business set up
All official and personal application, Oganising registration, solicitor...
- Concierge services company and private
A concierge at your office or at your home to gain time, dry cleaning, car service...
- Events
Organising tours, Wine and cookery classes, birthday, wedding, conference, private diner party and any company events, and all events possible.
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How and where to get a mortgage
- We deal directly with the bank and insurance companies to provide you the best deal.
- We advice you on Indirect Amortization with a 3rd Pillar .
- We help you to subscribe the right Insurance.
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Home services
- Our Experts can assist you with:
Who to call in case of Emergency
- Most of the insurance company include in there Household inventory insurance a home assistance. You just have to call your insurance company (see Useful numbers), and they will find you the plomer you need.
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- It is recommended that you protect yourself and your family, against potential problems after a car accident, or from your mechanic, neighbours, employers, land lords etc...Read more
How to insure your home
- Household Insurance
Household inventory insurance forms part of the insurance of objects. It covers household claims resulting from fire, water damage, theft or glass breakage.
The cover and premiums vary from canton to canton. The insurance normally covers damage caused by fire, lightning and exlosions as well as natural damage.
Read more
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Building Insurance
Insurance of buildings covers damages caused to the building and to construction materials by fire, water and glass breakage. Fixed interior fittings such as wall cupboards, ovens, cookers, baths, window blinds, and so on are also covered by this insurance.
The insurance of buildings for damages caused by fire is mandatory in most cantons.
The cover and premiums vary from canton to canton. The insurance normally covers damage caused by fire, lightning and exlosions as well as natural damage.
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- Cantonal Building and Household fire and natural damages Insurance Service
Buildings and Household must (where there is obligation) or may (where there is choice) be insured through a cantonal insurance institution for fire and natural damages. Unlike private insurers, it has no external publicity service.
- Switzerland is a federal country
Each Cantons can be diffirent in the obligation of Building and household inventory insurance...
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- Home assistance service:
(If subscribed)
Home assistance is a free service in the event of emergency at home. We take care of your needs through our network of partners. (plumbers, electricians...) This is included in Generali household insurance, You can also build your own Assistance insurance plan to suit your needs at Home and Away:
- Breakdown recovery assistance (free service in Generali car insurance)
- Cancellation costs insurance
- Travel insurance
- Home Assistance Service (free service in Generali Household insurance)
- Travel legal insurance
Understand the Swiss and the French vocabulary for your insurance
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Votre logement |
Your Home |
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- Responsabilté civile de particulier
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- Assurance objets de valeur
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Feel free to contact us with your queries..
Page up Translation for legal protection insurance...
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Insurance Explanation
- Private third-party insurance:
Every school, and Land lord requires this insurance
This is a coverage for any damage you can do unintentionally in every day's life, to other people or to your new apartment.
Private third-party insurance protects an insured person against any claims that might be made against him through legal measures in the matter of third-party liability. The insured person is covered as a private person, head of a household, dog owner, tenant of a flat, soldier, sportsman and so on. Excluded are damages caused by the insured person as the driver or user of a motor vehicle or in the context of some occupational activity..
- Household inventory insurance:
Household inventory insurance forms part of the insurance of objects. It covers household claims resulting from fire, water damage, theft or glass breakage.
Household objects consist of all movable goods for private use in a household but which form neither part of the fabric of the building nor its interior fittings or fixtures. A household inventory includes furniture, clothes, guest' personal effects, sports equipment, etc.
Insurance of buildings covers damages caused to the building and to construction materials by fire, water and glass breakage. Fixed interior fittings such as wall cupboards, ovens, cookers, baths, window blinds, and so on are also covered by this insurance. The insurance of buildings for damages caused by fire is mandatory in most cantons.
The cover and premuims vary from canton to canton. The insurance normally covers damage caused by fire, lightning and explosions as well as natural damage.
The insurance of valuables fits into the insurance of objects category. It covers damage caused to jewellery, furs, paintings, musical instruments and other personal objects of value as a result of theft,fire and water. In addition to ordinary risk, damaging, destruction, disappearance and loss are also usually covered.
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Underinsurance occurs if the sum insured is lower than the value of the insured object at the time of the damage (replacement value). The insurer can reduce the benefits provided in the event of partial damage in accordance with the proportional rule (relationship of the sum insured to the replacement value). For total losses, benefits are limited to the sum insured. The proportional rule may be set aside if so agreed (first risk cover).
If an insurance policy is issued using the value as new principle then, in the
event of a claim, cover would be based on current market prices. Household inventory insurance is usually based on the value as new principle so that if objects are added to it, the insured amount needs to be modified.
With some types of insurance, the insured amount is linked to changes in certain indexes and is automatically increased from time to time.
Some insurance companies make insured persons bear part of the damages resulting from an insured event, either in the form of a percentage or of a fixed sum. Excesses avoid insurance companies from being inundated with minor claims. Cost participation is a synonym for excess.
Read the general condition of your vehicle insurance or contact us for more informations.
- Travel assistance insurance:
With travel assistance insurance as part of your travel gear you are ideally prepared for your vacation. If anything happens before or during your vacation you are well protected with a travel assistance policy. Put together your own Assistance insurance plan to suit your needs at home and away:
- Breakdown recovery assistance (free service in Generali car insurance)
- Cancellation costs insurance
- Travel insurance
- Home Assistance Service (free service in Generali Household insurance)
You have the choice beetwen a Bank or an Insurance company.
Indirect Amortization
Method used to amortize a mortgage. Instead of direct amortization by means of
direct periodical payments, a savings/risk insurance contract is created with a
view to repaying the mortgage in a single payment on maturity of the contract,
that is to say when the capital sum due at term is paid. From the tax point of
view, the advantages and disadvantages of this method are debatable.
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FamilyVehiculesYour Home Legal AdvisorSwitzerland or France
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