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  #21  
Old 28.01.2013, 17:51
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Re: are lost keys covered under your average apartment insurance?

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That sounds really odd to me. So if someone nicks your keys at the train station it is not covered, but if they break into your house and steal them it is??
Basic household insurance covers items stolen from the house, the clue is 'household'. It's to cover major loss from your house burning down or being broken to. It will not cover leaving your expensive camera or iPhone on a train, such things cost more as the risk is far greater.
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  #22  
Old 31.01.2013, 11:05
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Re: are lost keys covered under your average apartment insurance?

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Basic household insurance covers items stolen from the house, the clue is 'household'. It's to cover major loss from your house burning down or being broken to. It will not cover leaving your expensive camera or iPhone on a train, such things cost more as the risk is far greater.
Partially correct - which was a surprise to me.

A stolen handbag and contents are NOT covered in standard household insurance, only for burglary from the house itself. Luckily though, the additional jewellery coverage did cover the most expensive items

Checking to see if travel insurance does cover theft of items - will revert. I'm not optimistic
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  #23  
Old 31.01.2013, 12:13
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Re: are lost keys covered under your average apartment insurance?

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Partially correct - which was a surprise to me.

A stolen handbag and contents are NOT covered in standard household insurance, only for burglary from the house itself. Luckily though, the additional jewellery coverage did cover the most expensive items

Checking to see if travel insurance does cover theft of items - will revert. I'm not optimistic
CC Who is your cover with? Usually the cover for lost and stolen keys is connected to your out of house cover part of the policy. This is certainly true in our case or in that of our Sister company Connect as here:

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My household insurance with Zurich Connect covers the cost of replacing keys and locks except in the case of simple theft outside the home.

Simple theft outside is covered by adding supplementary insurance to the basic household cover. From Zurich Connect's general conditions of insurance:

In the event of the theft of keys or codes, magnetic cards and the like, the costs of changing locks shall be deemed insured as part of the sum insured for loss or damage resulting from theft outside the home, up to 50% of the agreed sum insured, subject to a maximum of CHF 5,000.

Fortunately, I haven't had to find out what the above means exactly.
This means that they are only covered if you have an out of house add on to the cover. If you have for example a 3000 Franc out of house simple theft cover you can claim 1500 for stolen keys. If you have no out of house cover for anything then keys are not insured.

Also noteworthy: Liability insurances only tend to cover the loss of OFFICE or BUSINESS keys, cards etc.. NOT personal residences.
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  #24  
Old 22.02.2013, 10:33
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Re: are lost keys covered under your average apartment insurance?

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Well, I lost a key back in August and we notified the landlord and got a "we'll see what to do" response and left it at that. Now that I'm moving away next month I'll go into our agency office this week and ask them exactly what is going to happen. I'll report back on the cost at least.

Unfortunately, the key I lost was to the front door, of an apartment complex with some 10 families, 4 keys each, locks for all, mailbox .... I guess the next logical question would be, what is the procedure for bankruptcy in Switzerland?
Just to clean up, and for the sake of others. Got the locks replaced a few days back. It was for 2, a door to the apartment and for the mailbox. Two other communal locks, for the entrance and another feature were not replaced. 2 locks + 4 keys, I was told the price should be less than 500 francs and I should get the bill sometime soon.

I guess there is a feature with multi-lock keys that doesn't require all locks to be changed. Thank God!
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Old 22.02.2013, 10:44
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Re: are lost keys covered under your average apartment insurance?

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This question was never really answered - in the case of theft, are the replacement costs for keys covered on household insurance? Anybody know?
In case of a theft the insurance company bears the cost of Key or the complete set of Keys and Loack, whatever your rental agency asks for. I know it because I had asked this question to my insurance company.

Infact it is also covered if you loose your keys only if you insurance coveres the loss due to misplacement (e.g you loos your back on train and you are not sure if it was tolen or you missplaced it in travel)

So, I would suggest OP to to check with thier insurance compony and landlord.
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  #26  
Old 28.06.2015, 10:32
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Re: are lost keys covered under your average apartment insurance?

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We had ours covered as part of the household insurance..

The cost of replacing "certain sets of locks" was 1000 CHF for our apt complex. The insurance ended up paying for the amount post the deductible ( in our case it was 200 CHF).

It need not necessarily be a break in for the cost of the keys to be recovered.
This was very recent about 3-4 months back...
Onthemove,
What were the circumstances of the loss that resulted in your insurance paying for the replacement?
- Simple loss outside the home?
- theft outside the home?
- theft in the home?

I'm trying to figure out if I am covered for a recent loss.

Cheers,
Paul
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  #27  
Old 28.06.2015, 11:24
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Re: are lost keys covered under your average apartment insurance?

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Onthemove,
What were the circumstances of the loss that resulted in your insurance paying for the replacement?
- Simple loss outside the home?
- theft outside the home?
- theft in the home?

I'm trying to figure out if I am covered for a recent loss.

Cheers,
Paul

No you're not, you're trying to diddle your insurance company
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