PRESTIGE HOMEOWNERS INSURANCE
Specifically tailored policies that cover the home, contents and precious possessions, including global coverage for contents. We can also arrange security assessments.
Working with a panel of specialist underwriters at world class insurers, we'll create a specific policy for your home insurance, based on a detailed risk management appraisal of the property. High net worth insurance for individuals are rewarded by insurers for the care they take of their possessions - and in some cases we can help negotiate contributions from insurers to valuations and security assessments and installations.
The usual home contents insurance cover we provide is for “All Risks” including accidental damage. Unlike some policies, this will also encompass costs incurred through, for example, knocking through walls or floors to trace burst pipes from water damage. Home contents insurance can become a mass of confusing jargon that obscures what you'll actually need in a crisis. It's very important to get the right advice when assessing the property reinstatement cost for your property (ie: how much it would cost to re-build), as under-insurance can lead to reduced claims settlements. Often we discover that larger properties are insured for their market value and not the reinstatement cost (a re-build following a fire, for example). This is particularly a problem with period and listed property, as the reinstatement value can be much higher. If your home is large, special or unique, you need a specialist policy.