We cover your physical stuff, but things like your health, reputation, identity, data, lost wages, privacy, credit rating, and financial instruments (including cash, cryptocurrency, and stocks) are not covered.
We cover only stuff that’s normally kept in your home, balcony, terrace, garage, garden shed, or a storage unit in your building, but not common or unprotected areas. Things that are normally kept elsewhere, like at your vacation home, office, or a storage facility, aren’t covered.
We only cover the stuff you own and in your possession. Things you borrow or willingly hand over to someone else, are not covered. So if you handed something you own to someone else, it’s under their responsibility and won’t be covered. For example: if your stuff gets damaged during shipping, dry cleaning, an apartment move with movers, handling by an airline, while on loan to a friend, or used by an Airbnb guest, we won’t cover it.
We don’t cover stuff that’s usually covered by other types of insurance, such as auto, business, or pet. So damage to motorized vehicles with compulsory insurance requirements (e.g. mopeds, e-bikes with a maximum speed above 25 km/h, e-scooters, Segways), business equipment such as your work laptop, injuries to your pets, and so on, aren’t covered.
We don't cover property that is illegal for you to own, nor any firearms.
We don’t cover damage to mobile electronics (smartphones, laptops, tablets) caused by accidental damage. So if you drop your phone, or spill water on your laptop, this is not covered.
We don’t cover items that are lost, or which mysteriously disappear.
If the damage was intentionally caused by you, or was a result of your recklessness or evident negligence, this is not covered.
Damage relating to normal wear and tear (e.g. scratches or stains), or which arises gradually (e.g. mold or rust), is not covered.
We don’t cover damage due to improper cleaning or repair, or faulty construction or installation. Similarly, we don’t cover damage to items due to their own defects.
Damage caused by pets, insects, vermin, or any other animals is not covered.
We don’t cover damage caused by floods, earthquakes, landslides, or groundwater.
Damage caused by war, terrorism, civil unrest, or nuclear energy is not covered.