on Insurance Contracts (LIC) and the General Conditions of Insurance (GCI) 200 Insurance of Movable Structures Outside the Community of Residence

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1 Household Insurance Customer information according to the Swiss Federal Law on Insurance Contracts (LIC) and the General Conditions of Insurance (GCI) Table of Contents Page Seite Seite Customer information according to the Swiss Federal Law on Insurance Contracts (LIC) 2 General Conditions of Insurance (GCI) Edition 03/ Common Provisions 1 Contractual Basis 4 2 Subject Matter of the Contract 4 3 Inception and Duration of Insurance 4 4 Duration and Territorial Limits 4 5 Basis for the Determination of Rates 5 6 Premium Payment 5 7 Premium Refund 5 8 Changes in Premiums, Deductibles, Limits of Indemnity and General Conditions of Insurance 5 9 No-Claims Bonus 5 10 Regulation of the Deductible 5 11 Duties of Care 6 12 In an Occurrence of Loss 6 13 Obligations in the Event of a Loss 7 14 Breach of Obligations 7 15 Ascertainment of Facts 7 16 Contractual Relationship Following a Loss 7 17 Automatic Adjustment of the Sum Insured 8 18 Underinsurance 8 19 Natural Hazards (Contents/Building Insurance) 8 20 Change of Ownership 8 21 Broker Commission 8 22 Notification to Zurich 8 23 Place of Jurisdiction 8 24 Applicable Law Contents Insurance 101 Insurance Options Insured Persons Insured Property Uninsured Property Uninsured Events 9 Insured perils and losses 106 Fire Natural Hazards Theft Water Earthquakes and volcanic eruptions Insurance Benefits Provided by Zurich Insured Costs Insurance of Movable Structures Outside the Community of Residence 201 Insurance Options Insured Property Uninsured Property Uninsured Events Insured risks and losses Fire Natural Hazards Theft Water Insurance Benefits Provided by Zurich Insured Costs Buildings Insurance 301 Insurance Options Insured Buildings Uninsured Property Special Risk of Buildings Uninsured Events Insured risks and losses Fire Natural Hazards Water Earthquakes and volcanic eruptions Insurance Benefits Provided by Zurich Insured Costs Supplementary Insurance for Contents Insurance, Buildings Insurance and Movable Structures 401 Simple Theft Outside the Home Super Theft Glass Breakage Accidental Damage Insurance Accidental Damage to Cultivated Areas Misuse of Customer Cards, Credit Cards, Bank Cards and Post Office Cards Home Care Service Frozen Goods Standard Domestic Installations Plus Damage to the Building Extended Cover Devices and Materials including Fuels Damage Caused by Animals Theft (Building) Pet Insurance 501 Insured Animals Insured Perils Limitation of the Scope of Cover Insurance Benefits Provided by Zurich Liability Insurance 601 Insurance Options Personal Liability Insurance 701 Insured Persons Insured Capacities of the Insured Persons Insured Perils Limitation of the Scope of Cover Insurance Benefits Provided by Zurich Supplementary Insurance Personal Liability Insurance 801 Damage to Third-Party Motor Vehicles with a Maximum Total Weight of 3,500 kg, and to Trailers, Motorcycles and Boats Renting of Horses Persons Growing Wine as a Secondary Occupation Recourse Protection for Teachers and Police Officers Teacher Plus Secondary Occupation with a Gross Annual Income Exceeding CHF 6, Hunters Property Owner s Liability Insurance 901 Insured Liability Condominium Ownership, Co-ownership and Joint Property Insured Buildings, Land and Installations Environmental Impairment Principal s Liability General Restrictions regarding Liability Claims Insured Persons Insurance Benefits Provided by Zurich 33 Product Overview 34/35 Alphabetical Index 36 The wording of the German original shall take precedence.

2 2 Customer information according to the Swiss Federal Law on Insurance Contracts (LIC) Edition 05 Dear Customer, The following customer information shows a clear and summarized overview of the identity of the insurer and the material content of the insurance contract ( 3 ICA/VVG). The rights and obligations of the contracting parties arise from the proposal/offer, the policy itself, the contractual conditions and the applicable laws, especially the ICA/VVG. After acceptance of the proposal/offer the policyholder will be issued a policy, the contents of which will reflect the proposal/offer. Who is the insurer? The insurer is Zurich Insurance Company Ltd, hereinafter referred to as Zurich, and their registered office is at Mythenquai 2, 8002 Zurich. Zurich is a public limited company under Swiss law. Which other obligations does the policyholder have? Changes of risk: if an important fact changes during the term of the policy, resulting in a material increase in risk, Zurich must be notified in writing without delay. Ascertainment of the facts: the Policyholder must provide assistance for investigations relating to the insurance contract, e. g. breaches of the duty of disclosure, increases of risk, checking benefits, etc. and provide Zurich with all pertinent information and documentation or obtain such information from third parties in order to submit it to Zurich, and authorize third parties in writing to issue the appropriate information, documentation, etc. to Zurich. Zurich is also entitled to carry out its own investigations. Insured event: any insured event must be reported to Zurich without delay. This list only contains the most common obligations. The contractual provisions and the ICA/VVG contain further obligations. Which risks are insured and what is the scope of the insurance cover? The insured risks and the scope of the insurance cover are determined by the proposal/offer or the policy and by the contractual provisions. What is the amount of the premium? The amount of the premium depends on the respective insured risks and the designated level of cover. A fee may be charged for payment in instalments. All information on the premium and any applicable fees is included in the proposal/offer or in the policy itself. Under what circumstances will Zurich refund the premium? If the premium has been paid in advance for a specific period of insurance and the contract is cancelled before the end of the period Zurich will refund the respective premium for the unexpired period of insurance. The premium remains payable in full to Zurich if: the insurance benefit was provided on the basis of the cessation of risk; the insurance benefit was provided for a partial loss and the policyholder cancels the contract during the year after the contract was concluded. When does the insurance cover begin? The insurance cover begins on the day stated in the proposal/ offer or in the policy itself. Zurich provides provisional insurance cover according to the level of coverage listed in the signed application until the policy has been issued or rejected in writing. This shall apply at the most for two months after the commencement of the insurance according to the signed application. When does the insurance contract end? The Policyholder may terminate the contract by giving notice: at the latest three months before the end of the contract or, if this has been agreed on, three months before the end of the insurance year. The termination shall be deemed valid if it is received by Zurich on the last day before commencement of the three-month period at the latest. If the contract is not terminated it shall be automatically extended for one year. Fixed-term contracts with no renewal clause end on the day specified in the proposal/offer or policy; after every insured event for which a claim is payable, at the latest 14 days after notification that Zurich has made payments; if Zurich changes the premium. In this case the notice of termination must reach Zurich no later than the last day of the insurance year; if Zurich has breached the statutory information obligations pursuant to 3 ICA/VVG. The right of termination ends four weeks after the insured notices the breach, but at the latest one year after the breach. Zurich may terminate the contract by giving notice: at the latest three months before the end of the contract or, if agreed, three months before the end of the insurance year. The termination shall be deemed valid if it is received by the policyholder at the latest on the last day before commencement of the three-month period. If the contract is not terminated it shall be automatically extended for

3 3 one year at a time. Fixed-term contracts with no renewal clause end on the day specified in the proposal/ offer or policy; after every insured event for which a claim is payable, on condition that notice of termination is given at the latest at the same time as payment is made; if material risk factors have been concealed or falsely communicated (breach of the duty of disclosure). Zurich can withdraw from the contract: if the Policyholder defaults on the premium, has received a reminder and Zurich waives its claim to the premium due; if the Policyholder does not fulfil his/her obligation to assist with the ascertainment of the facts. Zurich is entitled to withdraw from the insurance contract retrospectively within two weeks after the expiry of a four-week time extension agreed in writing; in the event of insurance fraud. This list only contains the most common possible reasons for termination. The contractual provisions and the ICA/VVG contain other possible reasons. Zurich shall also be entitled to procure pertinent information from government offices and third parties, in particular information with respect to events leading up to the loss or damage. This consent shall be valid regardless of whether the insurance contract will eventually be concluded. The Policyholder may request Zurich to provide information in respect of the processing of his/her data. If you require help or advice quickly, our freephone number is available to you around the clock. If you are phoning from abroad The masculine forms of personal pronouns and adjectives used in this document to enhance readability shall always be understood to stand for the corresponding feminine forms. The wording of the German original shall take precedence. To ensure optimum service, we record all customer service centre calls. Had an accident? Let us know right away! Phone: How does Zurich handle data? Zurich processes data disclosed on the policy documentation or during the course of issuing the policy, and uses them mainly in order to calculate premiums, clarification regarding the risk, process claims, make statistical evaluations and for marketing purposes. The data is stored in hard copy form as well as electronically. Zurich shall be entitled to transfer any data that may be required for processing purposes to any third parties in Switzerland or abroad who are involved in processing the policy, including but not limited to coinsurance and reinsurance companies, and to subsidiaries of Zurich Insurance Group Ltd located within or outside Switzerland.

4 4 General Conditions of Insurance (GCI) Edition 03/2014 Common Provisions 1 Contractual Basis The insurance is based on the information provided by you, the policyholder (applicant), in the application. The rights and obligations of the parties to the contract are established in the policy, the General Conditions of Insurance and any special conditions. 2 Subject Matter of the Contract The contract may involve several types of insurance. The individual types of insurance taken out by the policyholder are indicated in the policy. Please see page 36 for a product overview. 3 Inception and Duration of Insurance The insurance shall begin on the date specified in the policy. Zurich provides provisional insurance coverage according to the level of cover set out in the signed application up until the policy or the written rejection has been delivered. This shall apply at the most for two months after the commencement of the insurance according to the signed application. Contracts with a duration of less than 12 months shall end on the expiry date. All other contracts shall be tacitly renewed for one year respectively unless notice of cancellation is given in writing three months prior to expiration. A insurance year runs for 12 months from one main premium payment date to the next. 4 Duration and Territorial Limits 4.1 Contents insurance The insurance cover applies to all losses that occur during the term of the contract: at home, i. e. at the locations in Switzerland, the Principality of Liechtenstein or in the enclave of Büsingen or Campione which are listed in the policy, or at your permanent address. Where several locations are insured (residential domicile, secondary residence, holiday apartment), there shall be freedom of movement between the individual risks provided they are listed in the policy. Without the location having to be specified in the policy, the insurance shall also include: household goods in garages, storage rooms, and apiaries and allotment and garden sheds (without foundation) together with their contents in the policyholder s community of residence. Household goods in separate areas (outside the community of residence) such as e. g. in apiaries and allotment and garden chalets, garages, storage rooms, workrooms and communal cold rooms, as well as the insured person s workplace up to a maximum of 10% of the sum insured on household goods at the agreed-upon location: For glass breakage and accidental damage to cultivated areas and standard domestic installations plus, insurance coverage shall be limited to the agreed-upon location Switzerland, the Principality of Liechtenstein, the enclaves of Büsingen and Campione: Insurance coverage for accidental damage to contents and electrical equipment, Home Care Service and frozen goods shall apply at all the policyholder s locations within Switzerland, the Principality of Liechtenstein and the enclaves of Büsingen and Campione outside the home: Household goods located temporarily not more than 2 years anywhere in the world. Household goods which are permanently located in a holiday home, a holiday apartment or secondary residence or in a mobile home on a permanent site shall not be covered by this insurance worldwide: The insurance coverage shall apply worldwide for accidental damage to sports equipment in the event of changes of residence in Switzerland, the Principality of Liechtenstein and in the enclaves of Büsingen and Campione during the relocation and at the new place of residence. Zurich must be notified of any changes of residence no later than 30 days after the next premium due date. It shall be entitled to adjust the premium to the new conditions during relocations abroad: If the insured moves abroad permanently, cover expires upon the date of deregistration with the residence registration office. 4.2 Buildings and movable structures The insurance cover applies to all losses that occur during the term of the contract: for buildings and movable structures which are located in Switzerland, the Principality of Liechtenstein or the enclaves of Büsingen and Campione and which are listed in the policy. 4.3 Personal liability The insurance shall apply: to losses caused worldwide during the term of the contract. Insured loss prevention costs are also considered to be losses or damage under this provision during relocations abroad: Upon definitive relocation abroad (excluding the Principality of Liechtenstein and the enclaves of Büsingen and Campione), the insurance shall expire on the next premium due date or immediately upon your request. 4.4 Property owner s liability insurance The insurance shall apply to losses or damage caused at insured locations in Switzerland, the Principality of

5 5 Liechtenstein and the enclaves of Büsingen and Campione during the term of the contract. Insured loss prevention costs are also considered to be losses or damage as defined by this provision. 5 Basis for the Determination of Rates The gross annual premium is based on the rate determination factors (risk and personal data) listed in the policy. The rate determination factors do not include the installment surcharge. If one of these factors should change (age not included), please notify Zurich immediately, whereupon Zurich shall be entitled to adjust your contract to the changed factors. The effects of the rate determination factors on the premiums are taken into consideration in the annual premium. 6 Premium Payment 6.1 First premium The first premium is due when the policy is handed over. 6.2 Balances The parties waive their right to call in balances of less than CHF 5.00 from premium invoices and no-claims bonus payments. 6.3 Installment payments Where premium payment in installments has been arranged, the corresponding fee is to be paid; installments that are not yet due shall be deemed to be deferred. The fee for premium payment in installments is not a component of the basic premium. Zurich is authorized to adjust this fee on the main premium payment date. On this occasion, you are entitled to modify the payment type should you so desire. For this to be valid, Zurich must be notified that payment details are to be changed by no later than the premium due date. 7 Premium Refund If the contract is terminated, unused premium amounts for the current insurance term shall be refunded except in the following cases: the contract is cancelled because the risk no longer exists (total loss); the contract is cancelled by you after a partial loss within one year of the contract being concluded. 8 Changes in Premiums, Deductibles, Limits of Indemnity and General Conditions of Insurance If there are any increases in premiums, deductibles or the limits of indemnity or General Conditions of Insurance change, Zurich shall be entitled to demand adjustment of the contract as of the following insurance year. The following events are not considered a premium increase: Change in the rate determination factors Automatic adjustment of the sum insured due to a new index of household goods or, for buildings insurance, due to the housing cost index Change in the Swiss federal stamp tax For this purpose, Zurich shall notify the policyholder of the new contract provisions not later than 25 days prior to expiry of the insurance year. You then have the right to cancel the contract in respect of the part which has been changed, or in its entirety, by the end of the current insurance year. If you exercise this right, the contract shall lapse to the extent which you have specified at the end of the insurance year. In order to be valid, the notice of cancellation must be received by Zurich no later than the last day of the insurance year. Should you not give notice of cancellation, you shall be deemed to have accepted the changes to the contract. 9 No-Claims Bonus In the event of a corresponding agreement, Zurich grants you a no-claims bonus on the premiums after the expiry of three full insurance years (without damage caused by natural hazards premium) by repayment of 15% of the total premiums paid in this period if no benefits were claimed for this period from the insurance contract. If benefits are paid in the event of an occurrence of loss or provisions made, the new period begins with the insurance year following the settlement of the occurrence of loss. 10 Regulation of the Deductible 10.1 Deductible amount Provided no other deductibles are specified in the policy, the following deductibles shall apply to all insured coverage (including costs) except natural hazards and earthquakes and volcanic eruptions: CHF 200. per occurrence (except glass breakage and misuse of customer cards and credit cards, Home Care Service, frozen goods and Teacher Plus); CHF 2,000. per occurrence for losses included in the Extended Cover additional cover. This deductible is not applied if benefits are paid under Natural hazards (household goods at the residence, other household goods, movable structures, special risk household goods) The deductible for damage caused by natural hazards is: CHF 500. per occurrence Natural hazards (building, special risk building) The deductible for damage caused by natural hazards is: 10% of the loss amount, with a minimum of CHF 1,000. and a maximum of CHF 10,000. per occurrence Earthquake household goods (contents at the place of residence, contents other), the deductible for earthquake damage and losses from volcanic eruptions: 10% of the loss amount, with a minimum of CHF 1,000. per occurrence

6 Earthquake building The deductible for earthquake damage and losses from volcanic eruptions amounts to: 10% of the loss amount, with a minimum of CHF 20,000. per occurrence Earthquake special risk of buildings The deductible for earthquake damage and losses from volcanic eruptions amounts to: 10% of the loss amount, with a minimum of CHF 1,000. per occurrence 10.2 Application of the deductible First of all, the indemnifiable loss is calculated; the deductible is then subtracted from this. Only then is the limit of indemnity applied Discontinuation of the deductible The agreed-upon deductibles shall be waived if the entire contract has run for 3 full insurance years without any losses. The only exceptions to this arrangement are: deductibles applying to damages caused by natural hazards; deductibles for earthquake damage and losses from volcanic eruptions: deductibles applying to losses included in the Extended Cover additional cover. Once an insured loss has been settled, all deductibles again apply in their full amount from the insurance year following settlement of the claim. 11 Duties of Care 11.1 General You shall be obliged to fulfill the duty of care and, in particular, to take any measures required under the circumstances to protect the insured property against the insured risks Misuse of SIM cards You shall comply with the duties of care defined by the mobile network operator Building For insurance against water damage, you shall be required in particular to maintain at your own expense water pipes and the equipment and appliances connected thereto, to have blocked water pipe installations cleaned, and to prevent freezing by means of appropriate measures. As long as the building is unoccupied, even if only temporarily, the water pipes and the equipment and appliances connected thereto must be drained, unless the heating installation is kept running under adequate control. 12 In an Occurrence of Loss 12.1 General Assessment of the loss You, the beneficiary, as well as Zurich, shall be entitled to demand an immediate assessment of the loss Proof of loss The beneficiary shall be required to prove the amount of the loss. The sum insured shall not constitute any proof of either the existence or the value of the insured property at the time of occurrence of the loss Expert procedure The loss may be determined either by the parties themselves, by a joint assessor, or by means of an expert procedure Type of indemnification Zurich may also, if it so chooses, pay compensation in kind Loss minimization costs Loss minimization costs shall also be indemnified. Where these costs and the indemnity together exceed the sum insured, the costs shall only be indemnified if the expenditure in question was incurred on Zurich s instructions. No indemnity shall be paid with regard to work performed by the fire department, the police or any other parties obligated to assist Household goods Calculation of the indemnity For household goods, the indemnity shall be calculated on the basis of the amount needed to purchase new items at the time of the occurrence of loss (= replacement value), less the value of the remains. Sentimental value shall not be taken into account Recovered property Any property which is subsequently recovered shall be handed over to Zurich or the indemnity paid reimbursed Partial loss In the event of partial losses, the costs of repair shall be indemnified up to a value not exceeding the new replacement value Movable structures outside the community of residence Mobile homes and caravans In the event of partial losses, the actual costs of the repair work shall be indemnified, but not for more than the cash value. In the event of a total loss, the cash value shall be indemnified. Where agreement on the cash value of the mobile home or caravan cannot be reached, the documentation of the Verband der freiberuflichen Fahrzeugsachverständigen ( Association of Independent Vehicle Experts ) shall be the authoritative reference. In all cases, the indemnity shall be limited to the price actually paid for the mobile home or caravan Apiaries and allotment chalets In the event of partial losses, the costs of repair shall be indemnified up to a value not exceeding the new acquisition value Household goods For household goods, the indemnity shall be calculated on the basis of the amount needed to purchase new items at the time of the occurrence of loss (= replacement value), less the value of the remains. Sentimental value shall not be taken into account. In the event of partial losses, the costs of repair shall be indemnified up to a value not exceeding the new acquisition value Buildings The indemnity for insured buildings shall be calculated on the basis of the locally usual building costs (value when new) for a building of the same kind at the time of the loss occurrence, less the value of the remains. Restrictions on rebuilding imposed by the authorities shall have no effect on this. Sentimental value shall not be taken into account. In the case of partial dam-

7 7 age, the costs of repair shall be indemnified, but only up to a value not exceeding the new replacement value If the building is not rebuilt within two years at the same location, to the same extent and for the same purpose, the replacement value may not exceed the market value. This shall also apply if the rebuilding is not carried out by the Insured, his legal successors under family or inheritance law, or a person who at the time of the loss occurrence had a legal title to acquire the building. With buildings due for demolition, the replacement value shall be the break-up value Personal liability Zurich shall take over the handling of a claim only insofar as the claims exceed the stipulated deductible; shall represent the insured person vis-à-vis the injured parties; shall be entitled to pay damages to the injured party directly, without applying any deductible, where the claims exceed the stipulated deductible In this connection, the insured person shall comply with the following requirements: the insured person shall not be entitled to acknowledge or settle any claims for indemnity brought by the injured party without the prior consent of Zurich; the insured person shall not be entitled to assign claims under this insurance to the injured parties or third parties before they have been finally determined with respect to liability law, coverage and amount; in the case of litigation, he shall have to grant the necessary power of attorney to the lawyer designated by Zurich; waiving all objections, the insured person shall be obliged to refund any deductible to Zurich The following shall be binding for the insured person: the settlement of a claim by Zurich by way of a compromise; a court judgment made against the insured person Zurich shall be entitled to the compensation for proceedings promised to the insured person to the amount of its benefits. The insured person must assign this amount to Zurich. 13 Obligations in the Event of a Loss Upon occurrence of the insured event, you or the beneficiary shall be under obligation to: inform Zurich immediately; give Zurich any information about the cause, amount and more detailed circumstances of the loss, and to allow such investigations as may be useful in this respect; provide the details needed to substantiate the claim for indemnity and the extent of the duty to indemnify and, upon request, to draw up within an appropriate period a list of the items of property affected by the loss, specifying their value; as far as possible take any measures necessary to preserve or salvage the insured property and to minimize the loss and comply with any instructions given by Zurich during and after the occurrence of loss; refrain from making any changes to the damaged property which could make it difficult or impossible to establish the cause of the damage or the amount of the loss, provided such changes are not made for the purpose of minimizing the loss or are not made in the public interest. In the event of theft, you shall further be obliged to: notify the police authorities immediately, request an official investigation, and refrain from removing or changing any traces of the crime without the agreement of the police; to the best of your knowledge and according to police or Zurich instructions, take all measures that will help find the perpetrator and recover the stolen property; inform Zurich immediately if stolen property is recovered or if any information about it is received. In the event of damage to luggage, you shall further be obliged to: have the causes and extent of the loss determined and certified by the transport company, the tour or hotel management, the police or by the third party responsible. 14 Breach of Obligations The indemnity may be refused or reduced upon the breach of statutory or contractual provisions or obligations. This disadvantage shall not arise if, according to circumstances, the breach is to be regarded as not being anyone s fault. Missed premium payments due to the premium payer s insolvency shall not be covered by this provision, i. e. they will not be classified as not being anyone s fault. 15 Ascertainment of Facts The person who is under an obligation to notify, must provide assistance in clarifications relating to the insurance contract, such as breaches of the obligation to notify, increases in risk, checking benefits, etc., and provide Zurich with all pertinent information and documentation or obtain such information from third parties for submission to Zurich, and authorize third parties in writing to issue the appropriate information, documentation, etc. to Zurich. Zurich is entitled to carry out its own clarifications. 16 Contractual Relationship Following a Loss Following every claime for which benefits are payable, you have the option of cancelling the contract no later than 14 days after receving notification of the payment. Zurich may cancel the contract no later than upon payment of the indemnity. Should either party cancel the contract, then the cover expires 14 days after the other party has received the notice of cancellation. Zurich may offset outstanding premiums against the indemnity.

8 8 17 Automatic Adjustment of the Sum Insured 17.1 Household goods The sum insured for household goods shall be adjusted on the basis of the index of household goods every year on the premium due date, which may also result in a rate change Building The sum insured for buildings shall be adjusted annually, based on the housing cost index, on the premium due date pursuant to the following provisions, which may also result in a rate change. This adjustment shall be based on the housing cost index determined and annually published by the cantonal buildings insurance company of the canton in which the building is located. The Zurich Total Housing Cost Index shall apply in cantons without an index of their own Special risk household goods, movable structures, special risk buildings Automatic adjustment of the sum insured does not apply to the special risk of household goods, movable structures and the special risk of buildings. 18 Underinsurance If the sum insured is less than the replacement value, the loss shall be indemnified only in the proportion which the sum insured bears to the replacement value, which, in the event of partial losses as well, results in the amount of indemnity being reduced accordingly. Zurich shall not raise objections on the grounds of underinsurance as long as the claim amount does not exceed 10% of the sum insured or CHF 30,000., whichever is less. This waiver of setting off underinsurance shall not apply to natural hazards that fall under the provisions of the Swiss Insurance Supervision Ordinance (AVO). With insurance on a first-loss basis, losses shall be indemnified up to the amount of the agreed-upon sum insured, disregarding any underinsurance. 19 Natural Hazards (Contents/Building Insurance) If the indemnity determined by all insurers who are allowed to provide insurance in Switzerland for a single insured event in Switzerland for a single policyholder exceeding CHF 25 million, the indemnities shall be reduced to this amount. The indemnity payable may be subject to a further reduction in accordance with the following rule; if the indemnities calculated for one insured event in Switzerland exceed CHF 1 billion, the indemnities payable to the individual beneficiaries shall be reduced in such a manner that the combined amount does not exceed this amount. Indemnities for damage to movable property and buildings shall not be tallied. Losses separated in time and space shall be regarded as one occurrence if they can be traced to the same atmospheric or tectonic cause. 20 Change of Ownership If the owner of the property insured under the insurance contract changes, the rights and obligations resulting from the insurance contract shall pass to the new owner. The new owner may reject the transfer of the contract by means of a written declaration issued no later than 30 days following the change of ownership. The insurer may cancel the contract within 14 days of being notified of the new owner. The contract shall end at the earliest 30 days following cancellation. In the event of change of ownership of individual insured items, the insurance for these items shall cease on the date of the change of ownership. For items at an insured location for which the time of the change of ownership is unclear, the date of their removal shall be considered to be the date of the change of ownership. 21 Broker Commission Zurich may remunerate any third party, e. g. a broker, on the basis of a respective agreement in the event of the policyholder s interests regarding the conclusion of, or the support connected to, this insurance contract were represented by such third party. For further information in this regard, the policyholder should contact the third party directly. 22 Notification to Zurich All notifications shall be sent to Zurich s Head Office in Zurich or the representative office named on the last premium invoice. Our Zurich toll free number , or from abroad , is available for telephone notifications. 23 Place of Jurisdiction The policyholder or beneficiary may select one of the following as the place of jurisdiction for disputes arising from this contract: Zurich, as Zurich s Head Office; the location of the Zurich branch office that is directly involved with this contract; the Swiss or Liechtenstein but no other foreign residence or head office of the policyholder or beneficiary. 24 Applicable Law The provisions of the Swiss Federal Law on Insurance Contracts of 2 April 1908 (VVG) shall apply. For policyholders domiciled in the Principality of Liechtenstein, the provisions of the Liechtenstein law governing insurance contracts of 16 May 2001 (VersVG) shall also apply.

9 9 100 Contents Insurance 101 Insurance Options Contents insurance can cover: household goods at the place of residence; other household goods (household goods in holiday homes, holiday apartments and secondary residences); special risk of household goods (special circumstances within the scope of contents insurance). Any use of the term household goods in these General Conditions of Insurance (GCI) refers to household goods located at the residence, other household goods and the special risk of household goods. 102 Insured Persons The insurance covers you and the persons listed below, provided they live in the same household as yourself or are away during the week but regularly return to the household on weekends: your spouse or another person living with you; minors; your adult children, adopted children or stepchildren and/or grandchildren, or those of your spouse or another person living in the same household; other people living in the same household. 103 Insured Property Contents insurance Household goods, i. e. all chattels for private use which are owned by the insured people. Household goods also include (where included in the sum insured) movable structures including their contents located in the community of residence; household goods in separate areas such as apiaries, garden sheds, allotment garden sheds, garages, storage rooms, workrooms and communal cold rooms outside the insured domicile, and also at the insured person s workplace up to a maximum of 10% of the sum insured; fixtures and fittings which cannot be or do not have to be insured together with the building; professional tools owned by the insured person and used by the insured person as an non-self-employed person; leased or rented items; personal belongings of visitors at the insured location and items entrusted to the insured for private purposes (excluding cash assets and jewelry); motorcycles and electric bicycles Special risk of household goods Household goods, i. e. those circumstances specifically described in the application regarding items or locations of insured property. 104 Uninsured Property The insurance shall not apply to: motor vehicles (exception: motorcycles and electric bicycles), trailers, caravans, mobile homes, along with all their respective accessories; ships for which compulsory liability insurance is required by law, as well as those that are not taken home regularly after use and also other motorized nautical vessels, along with all their respective accessories; aircrafts that must be entered in the Swiss Aircraft Register; property which is or must be insured with a cantonal insurance office; individual items for which special insurance exists. This clause shall not apply if the special insurance referred to here contains a clause to the same effect. 105 Uninsured Events losses arising from: warlike events, violations of neutrality, revolution, rebellion, insurrection, civil commotion (acts of violence against persons or property during riotous assembly, riot or tumults) and measures taken against them, and also from nuclear accidents, unless you prove that the losses are not connected with these events; if not separately agreed: earthquake damage and losses from volcanic eruptions within Switzerland, the Principality of Liechtenstein and the enclaves of Büsingen and Campione. Further exclusions are listed under the individual perils and losses. Insured perils and losses 106 Fire The insurance cover shall include losses caused by: fire; smoke (sudden and accidental, but not gradual effects); lightning; explosion und implosion; aircraft and spacecraft falling or making an emergency landing, or parts thereof, and also meteorites or other heavenly bodies; loss as a result of the insured events mentioned above. The insurance cover shall also include: damages by scorching and damage to household goods inadvertently exposed to a friendly fire or heat up to a maximum of CHF 5, Household goods which under external insurance are located outside of Switzerland, the Principality of Liechtenstein and the enclaves of Büsingen and Campione shall also be insured against earthquake damage and losses from volcanic eruptions Limitations of the scope of cover The following shall be excluded from contents insurance cover: damage to live electrical machines, equipment and cables caused by the effect of the electrical energy itself; storm and water damage caused to nautical vessels on the water; damage caused by faulty construction, poor building maintenance or failure to take preventive measures.

10 Natural Hazards Insurance cover for damage to household goods shall be provided for: the following natural hazards: flood, inundation, strong gales (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides. The insurance cover shall also include: loss as a result of the insured events mentioned above The following damage shall not be deemed to be damage caused by natural hazards: damage due to subsidence, poor building land, faulty construction, poor building maintenance, failure to take preventive measures, artificial earth-moving operations, snow sliding from roofs, ground water, rising and overflowing of bodies of water which is known to be recurrent; damage caused by water from reservoirs or other artificial bodies of water, backflow of water from the sewage system (irrespective of cause); damage as a result of vibrations caused by the collapse of artificially created cavities. 108 Theft Household goods The insurance cover shall include damage to household goods which has been conclusively established by evidence, witnesses or circumstances and which was caused by: burglary, i. e. theft by perpetrators forcibly entering a building or a room of a building or breaking open a container in a building or a room. The costs for repairing damage to the building as the result of a burglary or a proven attempted burglary are insured. Indemnity is paid based on the actual repair costs incurred. The following shall also be considered to be burglary: theft by unlocking with the correct keys or codes, provided the perpetrator has appropriated them by means of burglary or robbery; forcible break-ins of locked motor vehicles up to a maximum of CHF 5,000. ; robbery, i. e. theft by using or threatening to use violence against the insured persons, as well as theft committed when resistance is impossible due to death, unconsciousness or accident; simple theft in the home, i. e. theft which is considered neither robbery nor burglary; vandalism, i. e. damage to household goods caused by malicious damage, even where no goods are stolen, where the perpetrator has gained unauthorized access to the insured premises Damage suffered when moving Damage to or destruction of household goods during a change of residence within Switzerland (including the Principality of Liechtenstein and the enclaves of Büsingen and Campione) caused by sudden, unforeseen, involuntary, violent, external effects on the insured items of property up to a maximum of CHF 2, Limitations of the scope of cover The following shall be excluded from cover for theft at home and theft outside the home: loss or mislaying of property; damage to motor vehicles. The contents of movable structures shall be insured against simple theft only on the premises at your place of residence. 109 Water Insurance cover for damage to household goods shall be provided for: liquids and gases (including air) from pipes and installations serving the building in which the insured items are located, as well as through liquids or gases from equipment and devices connected to them or from aquariums, ornamental fountains, air humidifiers, other equipment using water and water beds; rainwater or water from melting snow or ice which has penetrated into a building through external drainpipes, gutters, the roof itself or illfitting windows, but not through open skylights or windows or roof openings or walls in new buildings or in connection with conversions or other work; damage to the interior of the building as a result of backflow of water from the sewerage system or as a result of groundwater and subsurface water flowing underground. The insurance cover shall also include: loss as a result of the insured events mentioned above costs of repairs to frost-damaged water pipes including water clocks/water meters and appliances connected thereto installed inside the building by you as a tenant, as well as the costs of thawing out such water pipes and appliances if they are frozen Limitations of the scope of cover damage resulting from fire, smoke, lightning, explosion, implosion or natural hazards; damage arising during the filling and repair/inspection of heating and tank installations, and also of heat exchangers and/or heat-pump circulation systems. 110 Earthquakes and volcanic eruptions Insurable for contents at the place of residence, contents other (holiday homes, holiday and secondary residences). Insured risks and damage

11 Insurance coverage also extends to the risk of unforeseen and sudden damage or destruction or loss of property, insured under the insurance contract, as a result of earthquakes or volcanic eruptions. Earthquakes are defined as the largescale movement of the earth s surface that is triggered by tectonic processes in the earth s crust and earth s upper mantle. In case of uncertainty as to whether the occurrence was an earthquake, the assessment of the Swiss Seismological Service (SED) is decisive. Volcanic eruptions are defined as the release of pressure upon the bursting open of a fissure, connected with lava flows, eruption of ash or other materials and gases released during a volcanic eruption, including all direct and indirect losses as the result of a volcanic eruption. Tsunamis also come under the term earthquake and volcanic eruption. Tsunamis are surface waves caused by undersea earthquakes, landslides, volcanic eruptions or meteorite impacts, including all direct and indirect losses as the result of a tsunami. Consequential losses caused by fire, water or looting (conclusive list) as a direct or indirect consequence of an earthquake or a volcanic eruption are also insured Period of cover All losses within 168 hours of the first tremor or eruption causing the damage and attributable to the same cause represent the same occurrence of loss. Losses commencing during the insurance term are insured Limitations of the scope of cover The insurance shall not cover losses: caused by tremors resulting from the collapse of artificially created cavities; caused by water escaping from reservoirs, regardless of the cause; caused by warlike events, violations of neutrality, revolution, rebellion, insurrection, civil commotion (acts of violence against persons or objects resulting from riotous assembly, riot or tumult) and measures taken against such, as well as changes in the atomic nucleus structure, unless the policyholder [or beneficiary] can demonstrate that the damage is not connected to these events Claims against third parties and other service providers If Zurich provides benefits for which the beneficiary could also have asserted claims against, or received benefits from, third parties or other service providers, such claims shall be assigned to Zurich at the point in time at which the benefits are provided by Zurich. No benefits are provided for deductibles arising from other insurance contracts. If mandatory insurance against earthquakes or volcanic eruptions is to be taken out with cantonal insurance institutions, the above insurance coverage shall apply as additional insurance and is limited to the portion not covered by the legal obligation to insure. The above shall apply mutatis mutandis upon introduction of statutory state benefits in the event of earthquakes or volcanic eruptions (e. g. via an earthquake pool or a similar institution) Limit of indemnity The limit of indemnity shall correspond to the contractually agreed limit of liability for household goods and apply per occurrence of loss. 111 Insurance benefits provided by Zurich Household goods are insured at their new replacement value up to the sum insured stipulated in the policy or the sum insured that results from the automatic adjustment of the sum insured. This sum must correspond to the amount required to repurchase all the insured items of property For damages through scorching and damage to household goods inadvertently exposed to a friendly fire or heat, the insurance benefits shall be limited to CHF 5, The contents of movable structures shall be insured against simple theft only on the premises at your place of residence. The sum insured on house- hold goods forms the basis for the calculation of the insured costs (e. g. debris removal and disposal costs) For household goods in Switzerland (including the Principality of Liechtenstein and the enclaves of Büsingen and Campione) outside the insured locations, indemnity for household goods shall be paid on the basis of the agreed-upon cover and sum insured For household goods outside of Switzerland (the Principality of Liechtenstein and the enclaves of Büsingen and Campione), the cover for damage caused by fire, natural hazards, burglary, robbery and water as well as earthquake damage and damage resulting from a volcanic eruptions shall be limited to 25% of the sum insured up to a maximum of CHF 50, Holiday homes, holiday apartments and secondary residences If the insured premises are not inhabited, theft insurance for household goods shall be limited to the perils of burglary and robbery. Jewelry and cash assets shall only be insured if they are locked in a safe weighing at least 100 kg in total or in a safe built into the wall. The maximum sum insured for jewelry is CHF 100,000.. The keys or codes of combination locks of the receptacles must be kept carefully in another room or carried by those responsible on their person For jewelry, the indemnity in the event of simple theft at home or of burglary, but not in the event of robbery, shall be limited to 20% of the sum insured, up to a maximum of CHF 30,000., if the jewelry was not locked in a safe weighing at least 100 kg in total or in a safe built into the wall. Pocket and wristwatches that are individually worth more than CHF 5,000. are also considered jewelry. The keys or codes of combination locks of the receptacles must be kept carefully in another room or carried on their person by those responsible.

12 Cash assets, i. e. money, securities, passbooks, precious metals (held as reserves, bullion or merchandise), non-personalized subscriptions, tickets and non-personalized coupons, coins and medals, loose precious stones and pearls shall be insured worldwide against losses caused by fire, burglary or robbery for up to CHF 5,000. (unless a higher sum insured has been agreed upon). This cover shall not apply in locked and parked motor vehicles For losses due to the burglary of locked motor vehicles the indemnity (without cash assets) shall be limited to CHF 5, Insured Costs For the following costs arising from an insured occurrence of loss as a result offire, natural hazards, as a result of earthquakes or volcanic eruptions, burglary (but not simple theft), robbery or water damage at the insured location, the cover per type of cost shall amount to 10% of the sum insured on household goods, but no less than CHF 5,000. per type of cost (unless a higher sum insured has been agreed upon). Higher costs of living or loss of rent: These shall be determined on the basis of the costs arising from the inability to use the damaged rooms and the loss of income derived from letting or subletting. Any costs saved will be deducted. Debris removal and disposal costs: These shall be determined on the basis of the actual costs of removing the debris of insured household goods from the site of the loss and transporting it to the nearest suitable waste disposal site, including the costs of storage and destruction. Costs of emergency glazing, emergency doors and emergency locks: These shall be determined by the actual costs of carrying out the measures taken. Costs of changing locks: The effective costs for the altering or replacing of locks at the locations indicated in the policy and on safedeposit boxes rented by the beneficiary, including the relevant keys will be decisive. The maximum indemnity for all costs combined shall be CHF 50, For other costs which have verifiably arisen from an insured occurrence of loss at the location as a result of fire, natural hazards, burglary, robbery or water damage, the cover shall additionally amount to a maximum of CHF The increase of the sum insured shall not apply to other costs. 200 Insurance of Movable Structures Outside the Community of Residence 201 Insurance Options The insurance of movable structures can cover easily replaceable: (permanently stationed) caravans and mobile homes; apiaries; allotment chalets. 202 Insured Property Mobile homes and caravans Cover shall apply in respect of: the permanently stationed mobile home or unlicensed caravan stipulated in the policy, along with all their respective accessories; the contents of the mobile home or caravan, provided that they are household goods Apiaries Cover shall apply with regard to: the apiary shed stipulated in the policy, along with its respective accessories; the contents of the apiary shed, provided that they are household goods. The contents shall also include bee colonies Allotment chalets Cover shall apply in respect of: the allotment chalet stipulated in the policy, along with its respective accessories; the contents of the allotment chalet, provided that they are household goods. 203 Uninsured Property Mobile homes, caravans, apiaries and allotment chalets The insurance shall not apply to: motor vehicles, motorcycles, trailers (excluding caravans), along with all their respective accessories; ships for which compulsory liability insurance is required, as well as those

13 13 that are not taken home regularly after use and also other motorized nautical vessels, each with accessories; aircrafts that must be entered in the Swiss Aircraft Register; property which is or must be insured with a cantonal insurance office; individual items for which special insurance exists. This clause shall not apply if the special insurance referred to here contains a clause to the same effect Apiaries and allotment chalets The insurance shall not apply to cash assets, i. e. money, securities, passbooks, precious metals (held as reserves, bullion or merchandise), non-personalized subscriptions, tickets and nonpersonalized coupons, coins and medals, loose precious stones and pearls, jewelry and valuables. 204 Uninsured Events losses arising from: warlike events, violations of neutrality, revolution, rebellion, insurrection, civil commotion (acts of violence against persons or property during riotous assembly, riot or tumults) and measures taken against them, and also from volcanic eruptions or nuclear accidents, unless you prove that the losses are not connected with these events; earthquakes within Switzerland, the Principality of Liechtenstein and the enclaves of Büsingen and Campione. Further exclusions are listed under the individual perils and losses. Insured perils and damage 205 Fire The insurance cover shall include losses caused by: fire, smoke (sudden and accidental effects, but not gradual ones), lightning, explosion and implosion; aircraft and spacecraft falling or making an emergency landing, or parts thereof, and also meteorites or other heavenly bodies; loss as a result of the insured events mentioned above The insurance cover shall also include: damages by scorching and damage to household goods inadvertently exposed to a friendly fire or heat up to a maximum of CHF 5, Natural Hazards The insurance shall cover losses caused by the following natural hazards: flood, inundation, strong gales (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides. The insurance cover shall also include: loss as a result of the insured events mentioned above The following damage shall not be deemed to be damage caused by natural hazards: damage due to subsidence, poor building land, faulty construction, poor building maintenance, failure to take preventive measures, artificial earth-moving operations, snow sliding from roofs, ground water, rising and overflowing of bodies of water which is known to be recurrent; damage caused by water from reservoirs or other artificial bodies of water, backflow of water from the sewage system (irrespective of cause); damage as a result of vibrations caused by the collapse of artificially created cavities. 207 Theft The insurance shall cover losses which have been conclusively established by evidence, witnesses or circumstances and which were caused by: theft Accessories and contents shall be covered only if they are stolen together with the movable structure or if they are stolen by breaking into the movable structure vandalism i. e. damage in the interior caused by malicious damage, even where no goods are stolen, where the perpetrator has gained unauthorized access to the movable structure. 208 Water The insurance shall cover losses caused by water escaping from water pipes serving only the movable structure or from equipment and appliances connected thereto. The insurance cover shall also include: loss as a result of the insured events mentioned above Limitations of the scope of cover losses caused by fire, smoke, lightning, explosion, implosion or natural hazards. 209 Insurance Benefits Provided by Zurich Zurich shall indemnify: Mobile homes and caravans Mobile homes or caravans, along with all their respective accessories, at the current cash value, i. e. the value of the insured property at the time of the occurrence of loss shall be decisive the contents at the replacement value, up to the sum insured stated in the policy. In mobile homes and caravans, the insurance covers jewelry and furs at the new replacement value as well as cash assets, i. e. money, securities, passbooks, precious metals (held as reserves, bullion or merchandise), non-personalized subscriptions, tickets and non-

14 14 personalized coupons, coins and medals, loose precious stones and pearls, up to a maximum of CHF 5,000. in each case Apiaries and allotment chalets Apiaries and allotment chalets, along with all their respective accessories, at the replacement value up to the sum insured stipulated in the policy. 210 Insured Costs The insurance shall cover debris removal and disposal costs incurred in connection with an insured event up to a maximum of CHF 5,000. (unless a higher sum insured has been agreed upon). 300 Buildings Insurance 301 Insurance Options Buildings insurance can cover: buildings; special risk of buildings. 302 Insured Buildings The insurance shall cover the residential buildings specified in the policy provided they do not contain any business premises. If a building is converted after the conclusion of the contract so that it contains business premises, the cover will only continue until the end of the current insurance year. With regard to the delimitation between buildings and movable property, the Standards for Buildings Insurance shall apply, or the relevant cantonal provisions in cantons with cantonal fire insurance for buildings. Any use of the term building or buildings in these GCI refers to buildings and the special risk of buildings. 303 Uninsured Property The insurance shall not cover property which is or must be insured with a cantonal insurance office; 304 Special Risk of Buildings The insurance shall cover fixtures, fittings or construction not included in the cover provided by the cantonal buildings insurance company. 305 Uninsured Events Loss and damage arising from: warlike events, violations of neutrality, revolution, rebellion, insurrection, civil commotion (acts of violence against persons or property during riotous assembly, riot or tumults) and measures taken against them, and also from nuclear accidents, unless you prove that the losses are not connected with these events; If not separately agreed: earthquake damage and losses from volcanic eruptions. Further exclusions are listed under the individual perils and losses. Insured perils and losses 306 Fire The insurance shall cover loss and damage caused by: fire, smoke (sudden and accidental effects, but not gradual ones), lightning, explosion and implosion; aircraft and spacecraft falling or making an emergency landing, or parts thereof, and also meteorites or other heavenly bodies; loss as a result of the insured events mentioned above; damages by scorching on buildings up to a maximum of CHF 5, Limitations of the scope of cover damage to live electrical machines, equipment and cables caused by the effect of the electrical energy itself, by overvoltage or by heating as a result of overloading, and also damage to electrical safety devices such as fuses occurring as a result of their fulfilling their normal purpose; damage due to pressure deficits, hammer blow in pipes, fractures caused by centrifugal force and other force-related effects of operations; damage due to pressure of snow, affecting only roofing materials, chimneys, gutters or drainpipes; damage caused by subsidence, poor building land, faulty construction, poor building maintenance or failure to take preventive measures.

15 Natural Hazards The insurance shall cover loss and damage caused by the following natural hazards: flood, inundation, strong gales (winds with a minimum velocity of 75 km/h uprooting trees or taking the roofs off buildings in the vicinity of the insured property), hail, avalanches, snow pressure, rock slides, falling stones and landslides. The following damage shall not be deemed to be damage caused by natural hazards: damage due to subsidence, poor building land, faulty construction, poor building maintenance, failure to take preventive measures, artificial earth-moving operations, snow sliding from roofs, ground water, rising and overflowing of bodies of water which is known to be recurrent; damage caused by water from reservoirs or other artificial bodies of water, backflow of water from the sewerage system (irrespective of cause); damage as a result of vibrations caused by the collapse of artificially created cavities. 308 Water Cover shall apply in respect of damage to buildings caused by: liquids and gases (including air) from pipes and installations serving the building in which the insured items are located, as well as through liquids or gases from equipment and devices connected to them or from aquariums, ornamental fountains, air humidifiers, other equipment using water and water beds; rainwater or water from melting snow or ice which has penetrated into a building through external drainpipes, gutters, the roof itself or ill-fitting windows, but not through open skylights or windows or roof openings or walls in new buildings or in connection with conversions or other work; damage to the interior of the building as a result of backflow of water from the sewerage system or as a result of groundwater and sub- surface water flowing underground. The insurance shall also cover: costs of locating, exposing and repairing the defects and also bricking up or covering repaired pipes (including gas pipes) inside and outside the insured building, provided they serve the insured building or insured equipment on the grounds of the insured building. The insurance shall also cover downhole heat exchangers, underground thermal storage tanks, geothermal collectors and the like. Any costs for installing and removing necessary, temporary water and drainage connections are also insured. The indemnity for all costs combined may not exceed CHF 10,000. unless a higher sum insured has been agreed upon. costs of locating, exposing and repairing pipes, where such measures are officially ordered or take place for maintenance or refurbishment purposes; costs of exposing, bricking up or covering repaired boreholes, underground thermal storage tanks, geothermal collectors and the like due to a gradual decline in power output Costs of repairing frost-damaged water pipe installations including water clocks/water meters and appliances connected thereto inside the building and pipes outside in the ground, provided they only serve the insured building, or the costs of thawing out such pipes, installations and appliances that have become frozen Damage to the building from water that has escaped from swimming pools, whirlpools and ponds set up outdoors (which belong to the property on which the building is located) shall be insured Accidental damage to the building The insurance shall cover loss and damage (damage or destruction) caused by unforeseen occurrences during conversion or expansion work up to a total construction cost of CHF 200,000. (calculated in accordance with the estimates of the Swiss Society of Engineers, SIA) as far as such loss and damage occurred during the insurance term e. g. as a result of: planning and calculation errors, faulty construction, materials or workmanship; operating errors, negligence; deliberate destructive actions by third parties; external influences and foreign bodies; failure of safety devices. Loss and damage, solely chargeable to the policyholder, shall be insured. If in the course of conversions the statics of the building which is to be converted are affected, an engineer with recognized training must be called in for the local construction management Limitations of the scope of cover The insurance shall not cover loss and damage: caused by the penetration of rainwater or water from melting snow or ice through open skylights or windows or roof openings or walls in new buildings or in connection with conversions or other work; on the façade (external walls including insulation), on the roof (the loadbearing structure, the roof covering and the insulation), thawing out and repairs to gutters and external drainpipes, costs of clearing away snow and ice; caused by subsidence, poor building land, faulty construction, poor building maintenance or failure to take preventive measures; caused by fire, smoke, lightning, explosion, implosion or natural hazards; exposure costs in accordance with as a result of natural hazards shall be insured if the cantonal buildings insurance does not pay any benefit; arising during the filling and repair/- inspection of heating and tank installations, and also of heat exchangers and/or heat-pump circulation systems.

16 16 The insurance for accidental damage to the building shall not cover: damage caused by fire, natural hazards, theft and water; purchased building materials up to the time they are incorporated in the building; expenses incurred for remedying cosmetic defects, even if these resulted from an indemnifiable event. 309 Earthquakes and volcanic eruptions Insurable for building and special risk of buildings Insured risk and damage Insurance coverage also extends to the risk of unforeseen and sudden damage or destruction or loss of property, insured under the insurance contract, as a result of earthquakes or volcanic eruptions. Earthquakes are defined as the largescale movement of the earth s surface that is triggered by tectonic processes in the earth s crust and earth s upper mantle. In case of uncertainty as to whether the occurrence was an earthquake, the assessment of the Swiss Seismological Service (SED) is decisive. Volcanic eruptions are defined as the release of pressure upon the bursting open of a fissure, connected with lava flows, eruption of ash or other materials and gases released during a volcanic eruption, including all direct and indirect losses as the result of a volcanic eruption. Tsunamis also come under the term earthquake and volcanic eruption. Tsunamis are surface waves caused by undersea earthquakes, landslides, volcanic eruptions or meteorite impacts, including all direct and indirect losses as the result of a tsunami. Consequential losses caused by fire, water or looting (conclusive list) as a direct or indirect consequence of an earthquake or a volcanic eruption are also insured Period of cover All losses within 168 hours of the first tremor or eruption causing the damage and attributable to the same cause represent the same occurrence of loss. Losses commencing during the insurance term are insured Limitations of the scope of cover The insurance shall not cover losses: caused by tremors resulting from the collapse of artificially created cavities; caused by water escaping from reservoirs, regardless of the cause; caused by warlike events, violations of neutrality, revolution, rebellion, insurrection, civil commotion (acts of violence against persons or objects resulting from riotous assembly, riot or tumult) and measures taken against such, as well as changes in the atomic nucleus structure, unless the policyholder [or beneficiary] can demonstrate that the damage is not connected to these events Claims against third parties and other service providers If Zurich provides benefits for which the beneficiary could also have asserted claims against, or received benefits from, third parties or other service providers, such claims shall be assigned to Zurich at the point in time at which the benefits are provided by Zurich. No benefits are provided for deductibles arising from other insurance contracts. If mandatory insurance against earthquakes or volcanic eruptions is to be taken out with cantonal insurance institutions, the above insurance coverage shall apply as additional insurance and is limited to the portion not covered by the legal obligation to insure. The above shall apply mutatis mutandis upon introduction of statutory state benefits in the event of earthquakes or volcanic eruptions (e. g. via an earthquake pool or a similar institution) Limit of indemnity The limit of indemnity corresponds to the contractually agreed limits of liability for building/special risk of buildings and applies for each occurrence of loss. 310 Insurance benefits provided by Zurich The building is insured at its new replacement value up to the sum insured stipulated in the policy or the sum insured that results from the automatic adjustment of the sum insured A subsequent increase in prices up to a maximum of 10% of the sum insured for the building shall also be insured with respect to any increase in housing costs as per the Zurich housing cost index between the occurrence of the loss and the completion of rebuilding. Cover shall be restricted to 2 years after the loss arises and is limited by the amount of the costs incurred for reconstruction. 311 Insured Costs For the following costs arising from an insured occurrence of loss as a result offire, natural hazards, as a result of earthquakes or volcanic eruptions (even where these perils are covered by the cantonal buildings insurance company) or water at the insured location, the cover shall amount to 10% of the sum insured for the building (unless a higher sum insured was agreed upon in this section) and includes: Loss of rent This shall be determined on the basis of the costs arising from the loss of income derived from letting or subletting. Any costs saved will be deducted. Cost of living These shall be determined on the basis of the costs arising from the inability to use damaged rooms and/or overheads such as mortgage interest in the event that the damaged building cannot be used. Debris removal and disposal costs These shall be determined on the basis of the actual costs of removing the insured building debris from the scene of the damage and transporting it to the nearest suitable waste disposal site, including the costs of storage and destruction. Costs of emergency glazing, emergency doors and emergency locks These shall be determined on the basis of the actual costs; Costs of moving and protecting Indemnity shall be paid for costs that are incurred when other undamaged, undestroyed, uninsured and insured property has to be moved, modified or protected for the purpose of recovering or replacing insured property following an insured event.

17 17 If these costs are covered by the buildings insurance, Zurich shall not pay any benefit Costs for changing or replacing keys and locks and electronic locking systems in the insured building as a result of a burglary or robbery, however, excluding simple theft or loss, up to a maximum of CHF 10,000. per occurrence Burglary includes damage caused by perpetrators, who force entry into a building or a room therein or break open a receptacle contained therein. Theft facilitated through the unlocking of doors using the correct keys or codes shall be regarded on a par with burglary unless the keys or codes were obtained by the perpetrator through burglary or robbery. These facts must be conclusively proven by means of forensic evidence, witnesses or on the basis of the circumstances Robbery, i. e. theft by using or threatening to use violence against the insured persons, as well as theft committed when resistance is impossible due to death, unconsciousness or accident The costs for removing of wantonly and maliciously caused graffiti from façades and for repairing other maliciously caused damage to the building. Indemnity for this purpose shall not exceed CHF 2,000. per occurrence For other costs which have verifiably arisen from an insured occurrence of loss at the location as a result of fire, natural hazards or water damage, the cover shall additionally amount to a maximum of CHF The insurance shall not cover the costs for removing the cause of loss Costs for the repair or replacement of a vending machine on the occasion of a burglary or demonstrated attempted burglary. The compensation shall be calculated according to the replacement value (repurchase amount) of the vending machine at the time of the occur- rence of loss. Money shall be insured up to an amount of CHF 500 per vending machine. 400 Supplementary Insurance for Contents Insurance, Building Insurance and Movable Structures If so agreed and listed in the policy, the insurance shall cover: 401 Simple Theft Outside the Home Household goods shall be insured on a first-loss basis worldwide outside the locations specified in the policy up to the agreed-upon sum insured. Where specifically agreed upon, the cover shall also include motorcycles and electric bicycles. 402 Super Theft As soon as an insured person is staying more than 50 km away from home as the crow flies, or if during a trip he stays overnight at least once outside his residence, the sum insured doubles and, instead of simple theft outside the home, luggage insurance shall automatically apply as described below: Insured property and costs The insurance shall cover: Luggage up to the sum insured specified in the policy. Luggage shall include all property which the insured persons take with them for personal use on a journey or hand over to a transport company for transportation (if separately covered, the coverage shall also apply to motorcycles and electric bicycles); Costs, e. g. costs of essential purchases arising from the late return of the luggage entrusted to a transport company, up to the amount of 30% of the sum insured for luggage Insured location The insurance comes into effect upon commencement of the trip on leaving the apartment (home) and shall end

18 18 with the insured person s return on entering the apartment (home) again Insured perils The insurance shall cover damage to luggage through sudden, unforeseen loss and damage Limitation of the scope of cover Losses resulting from instructions given by the authorities; Losses resulting from the influences of temperature and weather; Losses caused by the actual nature of the property, natural wear and tear, inadequate packaging and vermin; damages attributable to loss and mislaying; Losses caused by embezzlement and misappropriation; This shall not cover damage as a result of a burglary or attempted burglary indirect losses such as operating losses and necessary additional work; Losses caused by professional use of property; breakages of skis and snowboards, unless the loss and damage occurs in connection with a traffic accident; Losses caused by use of sports equipment in sports competitions; cash assets, i. e. money, securities, savings books, precious metals (held as reserves, bullion or merchandise), non-personalized subscriptions, tickets and non-personalized coupons, coins and medals, loose precious stones and pearls; motor vehicles, motorcycles and electric bicycles (if not agreed separately), trailers, caravans, mobile homes, along with all their respective accessories, as well as aircraft, flying equipment and flying objects of all kinds for which liability insurance is required by law. Exceptions: The insurance shall continue to cover the theft of parachutes, paragliders and hang gliders and, if so agreed, motorcycles and electric bicycles business papers, movable business property, merchandise and sample collections; certificates, tickets and stamps; Nautical vessels (including accessories); for which obligatory liability insurance is mandatory; that are not taken home regularly after use; with an engine (including rubber dinghies, inflatables and rowing boats with engines); pictures Claims for compensation against third parties Where the beneficiary is entitled to claims of compensation against the transport company or third parties, he must assign such claims to Zurich up to the amount paid as indemnity by Zurich. The beneficiary shall be obliged to provide Zurich with all the proof necessary for the pursuit of such claims, as long as he can be reasonably expected to obtain the information Loss of keys In the event that keys or codes, cards for electronic access systems (badges) and the likes are lost, the cost of changing or replacing locks (incl. emergency locks) and the relevant key in the locations indicated in the policy is covered under the sum insured for losses or damages resulting from theft outside the home up to an amount equaling 50% of the agreed-upon sum insured, with a maximum amount of CHF 4,000.. The doubling of the sum insured in the event of super theft is not taken into consideration. The insurance cover shall also include: Any safety deposit boxes rented by you, including the corresponding key. keys, codes and badges for business premises and vehicles; the cost of opening doors. Insurance benefits for emergency locks can be added to Home Care Service cover. 403 Glass Breakage Glazing in furniture The insurance shall cover losses or damages due to breakage of glazing in furniture. The insurance shall also cover tabletops made from granite or artificial stone. The limit of indemnity for each damaged or destroyed item shall be equal to the sum insured specified in the policy All glass The insurance shall cover losses or damages due to breakage up to the agreed-upon sum insured per occurrence for: glazing in buildings (if not the owner, only in rooms personally occupied incl. adjoining rooms) at the insured location including glass bricks and dome lights; glazing in furniture (as owner of the insured goods); glass components of solar panels; acrylic glass or similar plastics, provided they are used in place of glass; ceramic cook-tops, sinks, washbasins, bidets, urinals and lavatories including cisterns. Installation charges, necessary follow-up costs of up to CHF 500. for accessories and fittings shall be included in the insurance; shower trays and bathtubs, including partition walls; kitchen work-surfaces and tabletops made from natural or artificial stone or ceramic; costs of repairing chipped enamel surfaces.

19 19 The limit of indemnity for each damaged or destroyed item shall be equal to the sum insured specified in the policy All glass and extended glass breakage In addition to the All Glass cover, the insurance shall cover: wall and floor tiles made from natural stone, artificial stone or ceramic in the insured building; facade linings and wall claddings made from glass and glass bricks, which are permanent fixtures of the insured building or were used as the actual structural fabric. Glass also includes glass-like materials such as acrylic glass or other plastics, provided they are used instead of glass. Where specifically agreed, in buildings insurance, this cover shall only apply to commonly used rooms. The limit of indemnity for each damaged or destroyed item shall be equal to the sum insured specified in the policy For mobile homes, caravans and apiaries and garden and allotment chalets, insurance cover shall exclusively apply to losses or damages due to breakage involving glazing in furniture, windows and roof openings made of glass, acrylic glass or similar plastics Limitation of the scope of cover The following shall generally be excluded from glass breakage insurance: damage to hand-held mirrors, optical lenses, monitors of all kinds, glassware, hollow ware, works of art and decorative items and light fittings, incandescent light bulbs, fluorescent light bulbs and neon lamps; mere surface damage such as scratches and merely visual damage; damage caused by building work; damage caused by fire or a natural hazard; consequential damage and damage due to wear and tear; greenhouse and hotbed windows; components made from glass, acrylic glass or glass-like components of electronic communication devices and entertainment devices such as mobile phones, smartphones, tablets, etc Insurance benefits provided by Zurich In the event of loss, the costs of repair or replacement shall be indemnified up to the agreed-upon sum insured for each damaged or destroyed item of property. The costs of emergency glazing and debris removal shall also be insured as part of the sum insured. 404 Accidental Damage Insurance Insured property Depending on what has been agreedupon, the insurance shall cover the following: accidental damage to contents Household goods, i. e. all chattels for private use belonging to the insured persons, up to the agreed-upon sum insured on a first-loss basis; accidental damage to electrical equipment All items of movable equipment for private use belonging to the insured persons and requiring electrical energy to operate (connection to the mains or battery), up to the agreed-upon sum insured on a first-loss basis; Accidental damage to sports equipment All sports equipment for private use belonging to the insured persons (e. g. fitness equipment, rollerblades, snow boards, skis) and also items of equipment used to protect against injury in the course of sports activities (e. g. protective clothing for fencing, crash helmet), up to the agreed-upon sum insured on a first-loss basis. Bicycles and electric bicycles with a list price of more than CHF 1,000. shall be deemed to be sports equipment. Insured perils and losses The insurance shall cover damage or destruction caused by sudden, unforeseen, involuntary, violent, external effects on the insured items of property. Limitation of the scope of cover damage for which the manufacturer or vendor is or liable by law or contract; damage caused by fire, natural hazards and burglary, simple theft in and outside the home, water and glass breakage; damage caused by rodents and vermin; internal damage; sports equipment and pieces of equipment used in competition; motorized sports equipment (excluding electric bicycles); damage caused by building work; motor vehicles, motorcycles, trailers (excluding electric bicycles), trailers, caravans, mobile homes, along with their respective accessories; ships for which compulsory liability insurance is required by law, as well as those that are not taken home regularly after use and also other motorized nautical vessels, along with their respective accessories; damage to animals. Insurance benefits provided by Zurich The indemnity shall be calculated on the basis of the amount required to repurchase an item of the same kind at the time of the occurrence of loss. In the event of partial losses, the costs of repair shall be indemnified up to a value not exceeding the new replacement value. 405 Accidental Damage to Cultivated Areas Insured property The insurance shall cover: outside property not belonging to household goods such as lawns, ornamental shrubs, bushes, flowers, trees, enclosures, fences and hedges (natural or artificial), walls (excluding building façade), railings, garden gates (including automatic ones), steps, statues, fountains and ponds and their contents (excluding animals), flagpoles, lighting systems, alarm systems outside the building, flagged and gravel paths, private access roads, traffic mirrors, satellite dishes, etc., up to the agreed- upon sum insured on a first-loss basis. Insured perils and losses The insurance shall cover damage or destruction caused by sudden, unforeseen, involuntary, violent, external effects on the insured items of property.

20 20 Limitation of the scope of cover damage for which the manufacturer or vendor is liable by law or contract; internal damage; damage caused by building work; damage to animals; vehicles and sport equipment of all kinds, including accessories. Insurance benefits provided by Zurich The indemnity shall be calculated on the basis of the amount required to repurchase an item of the same kind at the time of the occurrence of loss. In the event of partial losses, the costs of repair shall be indemnified up to a value not exceeding the new replacement value. Also insured are debris removal costs of up to CHF Misuse of Customer Cards, Credit Cards, Bank Cards, Post Office Cards and SIM Cards Hotline for reporting lost or stolen cards 24-hour hotline for reporting lost or stolen credit cards, bank cards and post office cards, SIM cards, customer cards for cashless payment which you have registered and which were issued in Switzerland. You can only use the hotline if you first register and update your card information and authorize Zurich in written or electronic form to report the lost or stolen cards to the (appropriate/relevant) institutions. Following your notification given under (from outside Switzerland ), your registered cashless payment cards will be suspended by the relevant institutions. If the card issuer etc. does not allow the reporting of lost or stolen cards 24 hours a day, the card will be suspended the next business day. The insurance benefits defined in shall remain in force even if the institutes to be notified cannot be reached Misusage of customer cards, credit cards, bank cards and post office cards Insured losses The insurance shall cover purely financial losses caused by the misuse of credit, bank, post office and customer cards by non-insured persons, including charges for reporting and replacing lost or stolen cards. Limitation of the scope of cover The insurance shall not cover losses caused by the insured person s gross negligence, e. g. if a card that requires a signature does not bear one, the PIN is written on the card, the lost or stolen card is not reported immediately or the obligations defined by the card issuer have been breached. Insurance benefits provided by Zurich Unless otherwise agreed, Zurich will assume that part of the loss for which the insured persons are liable to the card issuer (department store, credit card institution, bank etc.) in accordance with the general terms and conditions, up to a maximum of CHF 5,000. per card and a maximum of CHF 10,000. per occurrence of loss Misuse of SIM cards Insured losses The insurance shall cover the financial loss (call charges, SMS, MMS, data transfer and data transmission) resulting from the misuse of SIM cards between the time of the theft and the notification of Zurich. Limitation of the scope of cover The liability is waived if the theft is not reported to Zurich or the provider within 24 hours. Insurance benefits provided by Zurich Zurich shall provide indemnity based on the invoice that clearly shows the costs up to a maximum amount of CHF 1, Home Care Service Insured location The cover shall apply to emergency situations at locations belonging to or inhabited by you. Any event requiring immediate action to avoid greater damage is regarded as an emergency situation. Insured events and benefits Emergency situations resulting from a fire, natural hazard, theft or water event or glass breakage If an emergency situation arises affecting the building in which you reside as the result of a fire, natural hazard, theft, water event or glass breakage, Zurich shall organize the contractors for carrying out the immediate response measures required. The insurance shall cover costs up to a maximum of CHF 1,000. per occurrence for engaging the contractor provided. Any replacement parts that are needed are not covered by the insurance Loss of keys or damage to keys We will organize assistance if keys or codes, cards for electronic access systems (badges) and the like are lost or damaged; if locks on entrance doors, the garage door or balcony doors are defective and can no longer be locked or opened; if an insured person has locked himself or herself in or out. The insurance shall cover the cost of opening the doors and the installation of an emergency lock in the insured locations. In the event of electronic access systems, only the cost of opening the doors is covered. If the residence in question cannot be accessed (e. g. if the owner cannot grant consent for the doors to be opened), we shall cover the cost of overnight accommodation for the people affected. The insurance shall cover costs of up to CHF 1,000. per occurrence.