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High Net Worth Insurance

High Value Home Insurance is designed for clients that have a higher value home or collections of art, antiques or jewellery

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High Net Worth Home Insurance

The policies are designed to match up with the lifestyle of the individual.

AJG private clients will work with you on a bespoke basis but all the policies we will offer will have the following key benefits

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    Can cover Listed properties including grade 1
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    Will include cover for the liability of employing domestic staff
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    Policy will include home emergency cover and legal expenses as standard
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    Your home contents, belongings and any collections of art, antiques or jewellery will be covered on a worldwide “ allrisks” basis
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    Insurers will generally appraise your property and provide assistance advice in respect of the sums insured and your security
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    Can cover up to £100m and more at any location so can cater for almost any risk
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    Can create a portfolio policy to include holiday home, travel insurance and motor insurance under one policy
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    High policy limits for loss of money & credit cards

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

Why Quotedesk?

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.”

 

Benefits:

  • 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

Frequently Asked Questions

What is the major difference between a standard home insurance product and a high net worth Home Insurance policy?

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.

My property is listed and has unusual features

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.

I have some valuable jewellery items and my previous insurer imposed terms

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.

I have previously lost a single item in a set and the insurer will not replace the set.

Again high net worth insurers will normally settle the claim for the replacement of the set.

When I have had a claim in the past I am not able to use my preferred supplier

High net worth insurers will be happy to for you to continue use a supplier with whom you have dealt with in the past.

Can you advise on the rebuilding cost of my home and my contents and art?

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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