{"id":17568,"date":"2024-09-16T09:13:04","date_gmt":"2024-09-16T07:13:04","guid":{"rendered":"https:\/\/onezone.ch\/the-day-paul-lost-everything-how-home-insurance-and-valuables-insurance-could-have-helped\/"},"modified":"2025-01-16T15:46:33","modified_gmt":"2025-01-16T14:46:33","slug":"the-day-paul-lost-everything-how-home-insurance-and-valuables-insurance-could-have-helped","status":"publish","type":"post","link":"https:\/\/onezone.ch\/en\/the-day-paul-lost-everything-how-home-insurance-and-valuables-insurance-could-have-helped\/","title":{"rendered":"The day Paul lost everything: How home insurance and valuables insurance could have helped"},"content":{"rendered":"\n

Paul had a comfortable life in his charming apartment in the heart of Bern.\nHe was an avid collector of art and antiques and had built up an impressive collection over the years.\nBut one night his life was turned upside down.\nPaul had never thought to take out household contents<\/a> and\/or valuables insurance<\/strong><\/a>.\n“That only happens to other people,” he thought.\nBut one night, everything changed. <\/p>\n\n

The break-in<\/strong><\/p>\n\n

It was a cold, dark night.\nPaul was visiting friends and came home late.\nWhen he opened the door to his apartment, he immediately noticed that something was wrong.\nThe door was open and the lock had been broken.\nHe entered with a queasy feeling and saw the chaos.\nDrawers had been ripped out, furniture had been knocked over and his valuable collector’s items had disappeared. <\/p>\n\n

The loss<\/strong><\/p>\n\n

The thieves had taken everything that was valuable and damaged a lot of the furniture.\nPaul’s works of art, antiques and electronic devices – everything was gone.\nThe material damage was immense, but the emotional loss was even greater.\nMany of the stolen items had a priceless sentimental value.\nPaul was devastated and didn’t know how he would ever be able to replace these losses. <\/p>\n\n

The costs<\/strong><\/p>\n\n

Without contents insurance and valuables insurance <\/a>, Paul had to bear the cost of replacing the stolen items himself.\nHe had no savings to cope with such a huge financial blow and was faced with the difficult decision of which of his possessions he could afford to replace and which were lost forever. <\/p>\n\n

Real costs of a burglary in Switzerland<\/strong>:<\/p>\n\n