Benefits vary between insurers. You will be provided with a quote from the most appropriate insurer for your circumstances.
Insurers of High Value Homes
Chubb is synonymous with comprehensive insurance cover and a quality of service second to none. Over the last 115 years in America, the Chubb Group of Insurance Companies has developed an unrivalled reputation for integrity and a totally straightforward approach that sets Chubb apart from other insurers.
Chubb is one of few European based insurers that consistently receives the highest possible ratings for financial strength, including Standard & Poor's AA rating, ensuring total confidence in their claims paying ability.
Oak Underwriting The Oak policy is underwritten by the Beazley Syndicate at Lloyds. Since its foundation in 1986, the syndicate has focused on writing specialist and niche business. With a strong, forward thinking management team which emphasises innovation, service and stability, Beazley's has grown to become one of the leading syndicates at Lloyd's with an underwriting capacity of over £215,000,000.
AXA is one of Europes largest insurers. Their "Heritage" and "Classic" policies offer specialist contracts for high net worth clients.
Home and Legacy were established in 1995. Home & Legacy specialise in providing a top quality, high value home and contents insurance service that is designed to give you the cover you really need at the lowest premium.
- Accidental Damage:- Included automatically at no additional premium
- Worldwide cover:- Included for contents, fine art and personal possessions
- Fine Art and Antiques:- Includes all risks of physical loss or damage, including breakage, restoration costs and any resulting depreciation in value following an insured peril
- Family Legal Protection and Emergency Property Assistance, including a 24 hour Home & Legacy Helpline, can be included
- World-wide Multi-trip Travel Insurance can be included for you and all permanent members of your household. This can be extended to include Winter sports for a small additional premium
Hiscox have been insuring valuable homes and possessions for over 100 years. Their 606 home and contents policy offers the following benefits:
- Covers possessions anywhere in the world, with accidental loss and damage included as standard (as against most standard policies, which only cover possessions in the home, and against named perils - storm, theft, etc)
- Can insure high value items of fine art, antiques and jewellery - often a major problem for standard insurers (with no excess payable on claims)
- Wider cover: no limit on bicycles, visitors' effects, students' possessions or theft from unattended vehicles.
- Free family annual travel for your immediate family (under 70 years of age and in general good health)
- Cover for home business equipment
- Public liability (£5m) and Employers' liability cover of £10m should anyone suffer injury at your property and take legal action
- Free legal expenses cover (up to £75,000) for UK policyholders who buy contents insurance
- Claims service offering: a guarantee to pay interest on any UK-based claim over £2,500 not paid within 4 working days of us receiving a signed agreement form; No deductions for wear and tear, even on clothing; The option to repair or replace items using your own suppliers, or receive a full cash settlement
- Option to pay by interest free Direct Debit for all UK customers (saving up to 6% compared to some insurers)
- Flexibility to tailor policy to meet your needs
- You can add a second UK home or overseas properties to the same policy, reducing administration time and costs
- Access to a range of approved product and service providers at specially negotiated discount rates
- Free access to a range of specialist helplines ranging from legal matters through to personal security and travel advice.
AIG Europe (UK) limited provide a wide range of innovative insurance and risk management solutions for individuals and businesses. With over 50 years of experience in the UK market, they currently protect more than 4 million adults and over half of the UK top 1000 companies, as well as many smaller businesses and professionals.
AIG Europe's Household insurance includes the following benefits:
- Up to 20% No Claims Discount
- Monthly payment options
- 24 hour emergency helpline
- Up to 15% discount for home security
- Up to 15% discount when you buy buildings and contents insurance together
Norwich Union was founded in Norwich over two hundred years ago and, while growing into one of the UK's leading insurers, with significant international interests, it always retained a strong connection with its home city.
The Norwich Union Tapestry policy protects your home comprising, buildings, contents, fine art and antiques, specified personal belongings, travel, small craft and caravan. Significant features and benefits comprise:
- Claims service - Tapestry comes with a dedicated claims team
- GP helpline - a 24 hour service providing free professional medical advice
- Home security helpline - free advice on security, fire prevention, health and safety and environmental issues. You can also request a free home security visit by one of our experts at Norwich Union Risk Services
- Legal and Tax helpline - providing free expert advice
- Home protection pack - a comprehensive advice and solutions guide on how to protect and maintain your home
- Norwich Union Travel assistant - to help with travel arrangements before you go on holiday, book scheduled flights, hotels and car hire. It can also assist you while you are away helping with anything from lost tickets to arranging translation services
- Homesitting - Tapestry gives you access to the services of Homesitters Limited who can provide you with their own carefully vetted and insured homesitters while you are away on holiday or for other extended periods
- Warranty free - for most customers Tapestry is warranty free which can remove typical restrictions with regards to security
- Personal lawyer cover of £50,000 is included as standard with an option to increase to £100,000
- Home emergency service cover is provided to pay for parts and materials following failure of the primary heating system and a variety of other power and heating emergencies
- Cover (excluding subsidence) can also be extended should you own a second home in France, Spain or Portugal
- You can pay by monthly premiums at no extra cost and monthly premium protection is provided
- Worldwide all risks cover
- Contents automatically covered at up to 50% of main building sum insured
- Worldwide all risks cover for fine art and valuables and up to 20% of sum insured for new acquisitions for a period of 60 days
- Nil excess for fine art
Unique Benefits of High Value Home Insurance
Listed below are some of the unique benefits you can expect with 'high value' home insurance. Exact benefits vary with insurer.
- Warranty-Free Cover
Warranty-free cover ensures that you can enjoy your personal possessions without fear of typical warranty restrictions. - World-Wide Cover
World-wide cover is provided for your valuable articles and all of your personal possessions and contents. - Extended Replacement Cost Option
The insurer will pay the cost to rebuild your home even if the reconstruction cost exceeds the sum insured. - No Conditions of Average
No under-insurance penalties. - Replacement Cost Cash Option
Full 'new for old' cash settlement on personal property. It's up to you to determine if you wish to replace the item. - World-Wide legal liability cover
For all family members. Cover includes libel slander and defamation of character. - Agreed Value
Specified valuables are insured on an agreed value basis so you know exactly what you will get in the event of a covered loss. For partial losses, cover also includes loss in market value. - Annual Travel Cover
Optional Worldwide travel insurance can be provided with some of the widest cover and highest limits available. All family members can be covered including domestic staff. - Payment methods
Monthly Direct Debits. - Restoration costs and any resulting depreciation
- 24 hour helplines
- Specialist appraisal services or after claims survey assistance
- Alternative accommodation
Can include alternative accommodation for family, pets and horses. - Garden relandscaping costs
- Money and credit card cover
- Tracing water or oil leaks
Depending on the insurer cover is either for or towards, the cost of tracing a water or oil leak from any fixed domestic water or heating installation and the resultant repairs to floors, walls and ceilings - Children at University
Can include automatic cover for clothing, personal items, TV, computer etc. whilst at university or college - Second homes
Can include cover for second homes, even outside the UK - Household removals cover
- Guests effects
- Christmas Gifts
An increase on your contents value during the Christmas Season - New purchases
- Defective title
For contents, valuables and Fine Art - Legal expenses cover
For an incident involving you and your family. The cover amount varies but is usually limited to between £50,000 and £75,000 - Jury Service compensation
- Homeworkers cover
- Various optional covers also available
Our types of Home Insurance
- compare home insurance
- high value home insurance
- mid value home insurance
- non standard home insurance
suitable for Ex-offenders, Home workers, Adverse claims, Unoccupied and non standard property - tenants / shared accommodation
- students possessions
