Prestige home insurance

Why do you need a high value home insurance specialist?

Are you aware of the true value of your home? Are you confident you know the cost of a full rebuild, or the cost of replacing all your belongings?

Property underinsurance is a common problem. Total rebuild costs are often overlooked, leaving many high-value items without cover under “one-size-fits-all” insurance policies. Our prestige home insurance offers more.

  • Not just bricks and mortar
    High value home insurance cover can extend to assets including first and second homes, contents including fine art, antiques, jewellery, collectables, even yachts and pleasure craft.
  • Around the world
    We can design cover that moves with you, protecting you and your assets all over the world as you move from place to place.  
  • Reporting the damage
    Making a claim is the ultimate moment of truth. Providing a proactive, reassuring claims service is an absolute priority for us.

How our prestige home insurance experts can help

Our approach involves a detailed assessment of your high value home and assets, establishing cover requirements tailored to your precise needs.

We work with you to develop comprehensive high value home insurance complete with relevant and valuable additional services that offer real benefits. 

What can high value home insurance include?

  • Worldwide ‘all risks’
    Cover for your possessions with no deduction for wear and tear, even on clothing
  • Fine art cover
    Protecting these valuable assets including depreciation in value following a covered loss, death of artist and defective title cover
  • Identity fraud protection
    Helping to cover the cost of reinstating your credit status following fraudulent activity
  • Family protection
    Including carjacking, stalking threats and home invasion
  • Student possessions
    Covered whilst away from the family home
  • Worldwide annual travel
    With high cancellation limits for those luxury trips abroad 
  • Legal expenses
    For family members
  • High single article limits
    For valuables reducing the need for expensive valuations
  • Second homes
    We can include all your properties under one insurance policy

Personal dedicated service

Each of our clients and their families have their own dedicated Account Executive looking after them. As our clients' needs change and develop, so do their policies.

We work with a variety of insurers, risk management and security consultants to identify the best ways to improve the protection afforded to our clients' most valuable assets. This means we can provide an impartial solution that works.

Combined policies

As well as combining multiple property policies into one easy to manage renewal date, we can also combine prestige car insurance policies to one policy with one renewal date for home and car. 

Prestige car insurance

When purchasing a performance car, considering the engine size, model and interior are some of the first priorities. But, one of the biggest challenges can be finding suitable insurance. Standard insurance cover often falls short when premium or classic vehicles are involved.

Protecting you and your family

When considering your protection requirements it's important not to overlook the health and wellbeing of yourself and your family. We can advise on a range of healthcare options including preventative measures such as health screening.

Renovation insurance

Planning an extension or home renovation?

Don't forget to tell your insurers before any work commences or they could decline any claims that may arise. Your home insurance policy will detail the limits of acceptable works that they can cover within your existing policy. In many cases, the best approach may be to arrange a relevant renovation insurance package to cover your home and the building works for the duration of the project.

Travel insurance

A holiday doesn’t just need to be expensive to warrant specialist travel insurance, especially if you are travelling with costly items like ski equipment and performance bikes. Our policies can cover all eventualities. And where you do have expensive holidays, our insurers are able to offer high levels of cancellation cover.

Yacht insurance

When you enjoy a specialist leisure pursuit such as sailing, you deserve the support of a partner who can arrange the most appropriate yacht insurance for you to offer protection both on and off the water.

Second home insurance 

When you own a second home (or maybe multiple homes) you will want to ensure that it is as protected as your primary home. By their very nature second homes may have different risk exposures, they aren’t always occupied and they may be overseas.

Frequently asked questions

Can you provide cover for jewellery and art?
Yes, we can provide cover jewellery and art as well as collectibles. We know it’s important that all valuable items are adequately insured.
I think I am paying too much for my policy, how will I know?
Let us come out and see you; we can carry out a full review of your policies and assets, so you know exactly what you are paying for.
I’ve made a claim with my current provider and it wasn’t paid, how would my policy be any different with you?
All of our private client policies are individually written by an underwriter, so we know exactly what warranties, if any, are in your policies. We’ll clearly explain these to you and ensure they are met or removed, so there are the absolute minimal opportunities for a claim to go unpaid.
I have a number of homes; can I insure them under one simple renewal date?
Yes, we can help consolidate them into one simple renewal date.
My property is listed, how can I insure it?
We use a panel of insurers that will visit your property to accurately calculate the rebuild cost of your home so you don’t have to. This can take away a lot of the worry around owning a listed building and the escalating costs that could be associated with this type of structure.
Can I get home insurance cheaper online?

Yes you may be able to but we would recommend that you check exactly what you are covered for. After all, purchasing a policy to insure what you estimate to be the value of your assets might seem easy; but in reality, it really does make sense to seek professional assistance in calculating the true cost of replacement.

This will help ensure that you get accurate, up-to-date valuations on items such as antiques, classic cars and jewellery. It will also make sure that you don’t overlook the impact of investments made in restorations, landscaping and other improvements on your insurance needs.

As well as being based on accurate valuations, it is important that your insurance isn’t restricted by the limits and conditions normally found in standard policies. You deserve the reassurance that your cover will ensure you are fully reimbursed for the loss of a valuable anniversary necklace or birthday watch, or the accidental damage of a bespoke kitchen installation, for example. After all the worst time to find out your insurance isn’t what you thought is when you need to claim.

Will my art, jewellery and swimming pool be covered under my insurance policy?

A typical home insurance policy might not cover all of your possessions. Our Private Clients team can arrange a high net worth prestige insurance policy that can protect your assets including fine art, high-end jewellery, yachts and motor vehicles.

Additional buildings to your main house such as stables, swimming pools and tennis courts can also be included in the one policy.

Am I covered when I take my jewellery on holiday?
We work with insurers who can provide insurance protection for your precious items wherever you are in the world.
Will Brexit impact Marsh Private Clients' ability to provide me with insurance?
Following the end of the transition period (currently scheduled for 31 December 2020), Marsh Private Clients will no longer be able to service policyholders who are based in the European Economic Area (EEA), unless they have a UK presence (UK bank account and UK address) and we can therefore provide our services to them in the UK.