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.
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.
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.
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.
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
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.
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.
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Prestige home insurance reviews
Laura went above and beyond what would normally be expected. Even whilst she was on annual leave she still provided daily progress updates.
Damian’s depth of industry knowledge has proved invaluable, and our relationship with Marsh Commercial is important to our future success.