High Net Worth Home Insurance Policy Options

Is this insurance expensive?

If you want to deal with insurers who deal with high value items on a daily basis, understand the importance of service and claims, you need high value home insurance. The adage is simple; you get what you pay for.

What is the benefit of a high single article limit?

Most standard home insurance policies require you to list individual items over £1000 in value and retain evidence of ownership, such as individual receipts. High value home insurance policies remove the need to list individual items normally below £15,000 and do not normally require receipts, etc at point of claim.

What is the benefit of no average clauses?

Most standard home insurance policies will reduce the value of any claim if they believe you are underinsured. For example if your loss was £5000 but the insurer believed you only held 50% of the insurance you required they would only pay half the claim. A specialist high value home insurance policy removes this clause, especially important with fluctuations in the value in fine art and jewellery.

What is the benefit of a fine art appraisal service?

A fine art appraisal will provide you with a current valuation of your personal effects together with a reference service as all your items will be photographed and coded. This provides you and the insurer with current and factual information on your possessions and is invaluable in the event of a claim.

What are the excess options?

Most policies offer a standard excess of £100 with the option to increase this to any level you feel appropriate. Policies also offer the option of retaining the standard excess for personal effects and money when travelling abroad.

How do I pay for my insurance?

For most policies we offer the choice of monthly or annual payment terms. Annual payments are made by cheque, debit or credit card or if you prefer to spread the cost of your insurance and pay monthly we offer a direct debit scheme.

How do I get help?

How do I obtain a quote?