My smart home (camera, router, door lock) was hacked.
unclear Hardly any policy addresses this
This is the biggest gap: hardly any policy regulates attacks on connected devices.
Full answer
AXA (IT assistance for smart home systems in the event of technical defects) and Mobiliar (IT Assistance as a service) provide practical help; the TCS Cyber-Schutzbrief excludes smart home devices. Prevention: change default passwords, install updates, do not make devices reachable from the internet unnecessarily.
Also asked as: «Strangers are watching through my surveillance camera» · «Router hacked, devices acting up»
As of
On this page
What to do now
Change default access credentials.
Disconnect the device from the internet if it does not need to be reachable; put connected devices in a separate network segment.
Install updates.
Contact your insurer or the IT assistance.
Sources (2)
Bundesamt für Cybersicherheit BACS: Massnahmen zum Schutz von IoT-Geräten, abgerufen 06.11.2026, Präventive Massnahmen · Open document (opens in a new window)
«Verwenden Sie keine voreingestellten Zugangsdaten (Benutzername, Passwort).»
AXA Versicherungen AG / AXA-ARAG Rechtsschutz AG: Allgemeine Vertragsbedingungen (AVB) Haushaltversicherung (Privathaftpflicht, Hausrat, Cyber Plus, Zusatzversicherungen und Services), 16162DE, Ausgabe 10.2021, Ziff. G5.2.1, PDF-S. 31 · Open document (opens in a new window)
«TV-, Video-, Audio-, Heimkino-, Smart-Home-Anlagen»
Who pays?
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First
Insurance with a cyber module
costs for specialists, deletion, data recovery up to the limit
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Then
Legal protection insurance
lawyer, criminal complaint, proceedings
Nobody pays
those affected pay themselves
29 answers on the shelf
Each jar is a condition we have read.
- add-on1
- not covered1
- unclear5
- no information22
Insurance (5)
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AXA
Cyberversicherung Plus (modules: online accounts & credit cards, online bullying & copyright, online shopping, data recovery/virus removal/IT assistance)
add-on up to CHF 3'000
Condition and source
IT assistance covers TV, audio and smart home systems as well as Wi-Fi in the event of technical defects; assembly, installation and damage to the devices themselves excluded. A hacker attack on smart home devices is not expressly regulated.
Deductible: CHF 50
AXA Versicherungen AG / AXA-ARAG Rechtsschutz AG: Allgemeine Vertragsbedingungen (AVB) Haushaltversicherung (Privathaftpflicht, Hausrat, Cyber Plus, Zusatzversicherungen und Services), 16162DE, Ausgabe 10.2021, Ziff. G5.2.1, PDF-S. 31 · Open document (opens in a new window)
«TV-, Video-, Audio-, Heimkino-, Smart-Home-Anlagen»
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Baloise
BaloiseCombi Haushalt, security module Protection – Cyber (F2.1)
unclear up to CHF 20'000
Condition and source
Malware on an «electronic device» for private use is covered; smart home devices are not expressly named.
Basler Versicherung AG (Baloise): BaloiseCombi Haushalt, Produktinformationen und Vertragsbedingungen (F2.1 Sicherheitsbaustein Protection – Cyber), Ausgabe 2025, F2.1.4, PDF-S. 48 · Open document (opens in a new window)
«Infizierung eines elektronischen Gerätes mit Schadsoftware»
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Groupe Mutuel
CyberProtect (internet legal protection + assistance + compensation)
unclear
Condition and source
The general IT assistance names internet-enabled devices; an attack on smart home devices is not expressly regulated.
Groupe Mutuel Versicherungen GMA AG (Rechtsschutz durch Dextra Rechtsschutz AG, Assistance durch Europ Assistance): Allgemeine Versicherungsbedingungen der Versicherung für Risiken und Rechtsstreitigkeiten im Internet CyberProtect, mit Anhang 1 (Katalog der versicherten Risiken und Leistungen), CYGA01-A5, Ausgabe 01.01.2022, Anhang 1 Ziff. 2, PDF-S. 8 · Open document (opens in a new window)
«bei Problemen bei der Nutzung von technischen Geräten (z. B. internetfähige Geräte, digitale Fotoapparate, Fernseher, Bluray-Geräte, Kameras)»
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Mobiliar
Cyberversicherung für Privatpersonen (module of the household and building insurance)
unclear
Condition and source
Not regulated in the GTC. The product page names free IT Assistance also for smart home devices (service, not an insurance benefit).
Die Mobiliar: Cyberversicherung: Schutz vor Cyberkriminalität für Private, abgerufen 06.11.2026, Abschnitt «Inwiefern lohnt sich eine Cyberversicherung» · Open document (opens in a new window)
«kostenlose IT-Assistance für alltägliche Probleme mit Computer, Tablet, Smartphone, Drucker oder anderen Smart-Home-Geräten»
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Zurich
Cyber – Safe Surf
unclear up to CHF 3'000
Condition and source
Movable devices for private use are insured; whether permanently installed smart home devices fall under this is not regulated.
Deductible: none
Zürich Versicherungs-Gesellschaft AG: Haushaltversicherung, Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 05/2026, Art. 902.2, PDF-S. 51 · Open document (opens in a new window)
«Versichert sind bewegliche Geräte für den privaten Gebrauch»
Bundle (via a telecom provider or association) (2)
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TCS
TCS Cyber-Schutzbrief (legal protection Assista + compensation TAS + technology bolttech)
not covered
Condition and source
Only PC, laptop, mobile phone, tablet, storage media are covered (exhaustive). The bolttech conditions exclude smart home devices from technical help.
Deductible: CHF 150
Touring Club Schweiz (TCS); Rechtsschutz: Assista Rechtsschutz AG; Entschädigung: TAS Versicherungen AG; Technik: bolttech Switzerland AG: TCS Cyber-Schutzbrief – Allgemeine Geschäftsbedingungen (inkl. Geschäftsbedingungen von bolttech), Produktversion 2025, Ausgabe 01.2025, Geschäftsbedingungen von bolttech, Abschnitt G, Ausschlüsse CIRSP, PDF-S. 13 · Open document (opens in a new window)
«CIRSP deckt folgende Kategorien verbundener Objekte nicht ab: 1. Smart Homes: Thermostate, persönliche Assistenten, Sicherheitskameras, Schlösser»
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TCS
TCS Internet-Schutzbrief (product version 2017)
unclear up to CHF 2'000
Condition and source
Malware help applies to «electronic devices» for private use; whether smart home devices fall under this is not regulated.
Assista Rechtsschutz AG (Tochter des TCS): TCS Internet-Schutzbrief – Allgemeine Versicherungsbedingungen, Produktversion 2017, Ausgabe 09.2023, Ziff. 10 lit. j, PDF-S. 7 · Open document (opens in a new window)
«bei Befall eines ausschliesslich für den privaten Gebrauch genutzten elektronischen Gerätes mit Schadsoftware wie Viren oder Trojanern.»
No information from 22 providers
- Allianz Suisse, Online- und Kaufschutzbrief (cyber protection): Not regulated in the conditions.
- AXA-ARAG, Private legal protection, «Wohnen & Alltag» module (includes online purchases, card/identity misuse, cyberbullying): Not regulated in the document.
- CAP, privaLex private legal protection with the Multi Risk add-on (Cyber Risk): Not regulated in the document.
- Cembra, Cembra CyberProtect: Not regulated in the conditions.
- Cembra, Cembra ShoppingProtect: Not regulated in the conditions.
- Coop Rechtsschutz, Legal protection module: basic module «Private and health» (including internet legal protection): Not regulated in the document.
- Coop Rechtsschutz, Legal protection package (private, employment, health, housing, traffic, including internet): Not regulated in the document.
- Cornèrcard, Cyber insurance for Visa, Mastercard and Diners Club cards of Cornèr Bank (individual/family cover): Not regulated in the conditions.
- Dextra, Private legal protection Private L (package L, area of law «internet law»): Not regulated in the document.
- Generali, Cyber insurance (part D of the household insurance): Not regulated in the conditions.
- Helvetia, Cyber add-on to the household contents insurance («Cyber: losses arising from the use of internet technologies»): Not regulated in the conditions.
- Orion, Private legal protection Standard (including internet and bullying legal protection): Not regulated in the document.
- Protekta, Private legal protection, Comfort package (with «personality rights and internet legal protection»): Not regulated in the document.
- Simpego, Household insurance Home (monetary assets: credit, debit and customer cards): Not regulated in the conditions.
- smile, smile.home, additional cover Cyber (H.4.5) and optional private legal protection (R): Not regulated in the conditions.
- Swisscard, Cyber Security-Versicherung (optional for the Swisscard credit/charge card): Not regulated in the conditions.
- Swisscard, Shopping-Versicherung (Classic, Premium, Exclusive) with the module «Safe online»: Not regulated in the conditions.
- Swisscom, Easy Cyber Insurance: Not regulated in the conditions.
- Vaudoise, Home in One, additional cover for misuse of credit and debit cards (Art. F4): Not regulated in the conditions.
- Viseca, Online account protection and online legal protection (included in the credit card): Not regulated in the conditions.
- Zurich, Cyber – Safe Shop & Pay: Not regulated in the conditions.
- Zurich, Cyber – Prevention (Zurich Cyber Security App, partner BOXX Insurance): Service without insurance cover; not mentioned on the product page.
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.
Where it gets stuck
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An outdated operating system or missing updates may exclude the benefit.
Where does it say so?
Haushaltversicherung, Kundeninformation und Allgemeine Versicherungsbedingungen (AVB), Ausgabe 05/2026, Art. 902.4, PDF-S. 51
«nicht mehr mit Updates oder Patches unterhalten werden»
Open document: Haushaltversicherung, Kundeninformation und Allgemeine Versicherungsbedingungen (AVB) (opens in a new window), retrieved 06.11.2026