High Net Worth Insurance

If you own a high value home and contents, it is important you have adequate insurance cover. While a standard home insurance policy may be suitable, it may prove to be inadequate for a high value property with contents such as antique furniture, fine art and luxury jewellery.

Standard policies are likely to be ‘perils-based’. This means you are only covered for loss or damage resulting from specified perils – such as fire, theft and water damage. However, in a high value home, the policy is likely to be on an all-risk basis, which means that your home is covered for a wider range of eventualities.

High Net Worth Insurance

If you own a high value home and contents, it is important you have adequate insurance cover. While a standard home insurance policy may be suitable, it may prove to be inadequate for a high value property with contents such as antique furniture, fine art and luxury jewellery.

Standard policies are likely to be ‘perils-based’. This means you are only covered for loss or damage resulting from specified perils – such as fire, theft and water damage. However, in a high value home, the policy is likely to be on an all-risk basis, which means that your home is covered for a wider range of eventualities.

If you own a high valued property and extensive home contents, it can be difficult and time consuming to find an insurance policy that meets your needs. The cover and terms of most policies are often restrictive, and you need to be comfortable that in the unfortunate event of a claim, the cover reflects your needs.

We can provide a range of policies and services specifically for people who have high value buildings and contents to insure.

Our specialist high value home insurance team has been established for many years, and understand that such property requires an individually tailored approach.

What special features can be included on a high value home insurance policy?

 
  • Warranty-free cover – providing cover which may be excluded on standard Home & Contents insurance policies
  • Listed buildings cover
  • Worldwide ‘All-risks’ cover
  • Worldwide cover for money and credit cards
  • Home equipment and technology
  • Properties undergoing refurbishment

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