Home insurance including ceramic hob

Hey,

I am currently reviewing my household insurance that I took from the apartment, as an adjustment was made due to the move. Until now, for example, the ceramic cooktop was covered free of charge. It is a special tariff. Does anyone know of an insurance where the ceramic cooktop is still included, so you don’t have to select the additional glass coverage? Currently, it is Zurich, as a special tariff through an intermediary. For the current annual premium, I can already get a new one including the glass coverage. And that brings us to the next question: how do you handle the glass coverage, do you have it included or have you waived it? Less related to the ceramic cooktop, more to the window glass.

Where would you rather add the glass coverage, with the household insurance or the building insurance? Because in the end, it should be the same, right?

Thanks for your feedback!

Building is for example for windows and solar. However, it takes time for a window to become completely blind; it announces itself, so you can still add the component. Household contents would be display cases, stove, greenhouses, and terra covering (?). ... I would not insure the stove, it doesn't cost that much, and what could possibly happen to it?

Well, the ceramic cooktop was free of charge, so as not to have to book the glass block right away, which is a nice thing. Apparently, it is often/always the case with [Gebäude + Glas] that the same glass (i.e., ceramic, windows, doors, shower) is insured as with [Hausrat + Glas]. At least that's what I researched.

We have the induction cooktop included in the household contents, also through the addition of a "glass package". And I find such a Bora cooktop quite expensive and also know of 2 cases where expensive induction stoves cracked (pot fell on them).

Glass blocks cost almost nothing after all...

yes glass blocks are about 5-20 euros per year... I wouldn't try to save money in the wrong place there