High Value Home Insurance - Benefits
Tailor made cover for high value homes
As an owner of a high value property it is important that you have the right insurance in place for your property, contents and valuables.
Our relationships with specialist insurers mean we can provide a variety of enhanced benefits.
A policy free from Warranties and Average Conditions which provides quality Cover for the Buildings of your home and your Contents, Fine Art and Antiques, Jewellery and Watches.
Contents
- Covered on a Worldwide All Risks basis
- Unlimited cover provided for TV's, video recorders, audio and computing equipment
- Unlimited cover for the contents of deep freezers
- Business Equipment automatically covered up to £15,000
- Outdoor items covered up to £10,000
- Student Possessions covered whilst at University or College up to £7,500
- Occupiers' and personal liability cover up to £5,000,000
- Christmas, Wedding and other Gifts up to £10,000
- Unlimited cover for Replacement Locks and Keys
- Alternative accommodation up to 20% of the sum insured
- Reinstatement of Data, Deeds and Documents up to £5,000
- Fatal injury £25,000
- Loss of Metered Water and Heating Oil up to £5,000
- Temporary removal up to 15% of the sum insured
- Damage caused by pets up to £2,500
- Personal Money up to £2,500 and credit cards up tp £25,000
Fine Art and Antiques, Jewellery and Watches
- Covered on a Worldwide All Risks basis
- New purchases of Fine Art and Antiques automatically covered up to 20% of the sum insured
- Automatic cover for increased value of paintings following death of the artist
- Depreciation in value following partial loss or damage
- Single articles of fine art and antiques are covered up to £15,000 and up to £5,000 in respect of jewellery or watches (unless specified)
Buildings
- Sum insured based (rebuilding cost)
- Index linked
- All Risks cover is provided automatically
- Alternative accommodation/loss of rent receivable up to 20% of the sum insured
- Property Owners liability - £5,000,000
- Architects and Surveyors fees and other costs - Included
- Damage caused by pets up to £1,000
- Reinstatement of landscaped gardens up to 5% of the sum insured (maximum £25,000)
- Cost of tracing water or oil leaks up to £10,000
Unique benefits available to the policyholder
- Road Rescue - a comprehensive motoring breakdown and recovery service throughout UK and Europe
- Pet Insurance - cover for vet's fees, theft and straying, and provides a sum in the event of death for up to 3 pets (dogs and cats only)
- Family Legal Protection - £50,000 cover for costs and expenses relating to legal proceedings within the UK
- Home Emergency Cover - Covers call out costs, parts materials and labour up to £500 for various Home Emergencies
- Yellowtag – a unique and innovative tagging system that will identify your personal property if lost
- Assistance with the cost of valuations
- Free advice from our experienced Risk Management Surveyors on how to protect the home and its contents from damage
Optional Cover
- Pleasure craft
- Travel
- Second Homes
- Overseas Homes