High Value Home Insurance is designed for clients that may have a larger home or collections of art, antiques or jewellery where the values exceed what can be covered on a traditional home insurance policy.
The policies are designed to match up with the lifestyle of the individual and can include a whole range of additional policy benefits. These polices tend to not have the onerous conditions and warranties that may apply on standard polices.
Full Terms and Conditions can be found in the policy wording
We aim to match your needs. Our policies are also able to provide a wide variety of add-ons created with your needs in mind.
These companies, each with substantial experience in their own specific field of insurance, are all part of the Arthur J. Gallagher group and have been brought together by Quotedesk to offer an unrivalled choice to our customers.
“With the united strength of specialist insurance companies, our goal is to offer a complete range of insurances.”
Arthur J. Gallagher is one of the largest insurance brokers in the world, which means we have huge buying power to get better insurance rates for our customers
As a broker we can also negotiate exclusive special rates directly with insurers
As one of the largest and oldest brokers in the world (trading since 1927) there isn’t much we can’t insure, giving you comfort that you can come to us for all your insurance needs whether these are personal or business related
Check out some of the brands opposite that are part of Arthur J. Gallagher who collectively manage the insurance needs for over 400k UK customers and growing.
Would you like to know more? Please call our insurance experts on;0845 6433 441
The high net worth products are designed specifically to cater for people that have higher value homes and particularly where there are collections of antique furniture or art and items of jewellery. In the majority of cases they insurer will visit and appraise the property to understand the risk more fully. This means they are able to offer the widest worldwide “all risks” cover and generally are able to offer a policy which is warranty and condition free.
This is not a problem the High Net worth insurers can cover all properties from modern detached houses through to mansions or stately homes that were built hundreds of years ago. A number of insurers will provide Buildings valuations as a part of their appraisal and if there report is accepted by the client the insurer will provide a guarantee to rebuild the property even if they have got there valuation incorrect.
High Net worth insurers tend to be far more flexible. They will advise on a suitable safe and will provide a limit out of the safe and while being worn which will enable the client to wear the jewellery.
Again high net worth insurers will normally settle the claim for the replacement of the set.
High net worth insurers will be happy to for you to continue use a supplier with whom you have dealt with in the past.
As an insurance broker we cannot give valuations but a number of insurers will offer an insurance buildings valuation as a part of the appraisal service. The appraiser will also be able to give general advice on the value of your contents. For art, antiques and jewellery the market can vary dramatically as to what is fashionable. In recent years modern art and jewellery has jumped in value dramatically but some furniture has dropped. For these items we would recommend a professional valuation and a number of the insurers are able to discounts on valuations through specialist Valuers. They will also give agreed value cover on the items valued with no need to provide proof of value or ownership at the point of a claim.
Did this answer your question? If not, please contact us on;0845 6433 441
We’ll be happy to advise you.
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