High Net Worth Insurance

High Net Worth Home Insurance - Private Clients

We have designed our High Net Worth Home Insurance to provide worldwide cover on an all risks basis.

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Our policy can provide cover for the following sections:

Buildings
Tenants’ Improvements
Tenants’ Greenhouses, Sheds and Outbuildings
General Contents
Fine Art and Antiques
Gold, Silver and Plate (GSP)
Watches and Jewellery
Guns, Saddle and Tack
Items in Banks and Safety Deposits
Ride-on Lawnmowers
Quad Bikes
Plus Additional Covers and Cover Limit Increases

Key benefits

Standard Policy Excess only £99-£200 for Escape of Water and £1,000 for Subsidence
NO EXCESS for Claims over £5,000, Subject to Policy Conditions
Franchise Excess Available
High Voluntary Excesses Available
Low Entry Level Sums Insured of £250,000 for Buildings and £75,000 for all Combined Contents Sections
High Maximum Sums Insured of £4,000,000
No Claims Bonus up to 25%
Buildings and Contents Combined Discount
Age of Proposer Discount
Age of Property Discount
Higher Sums Insured Discount
Existing Policyholder Discount
Cover Provided Worldwide
Over 30 Additional Covers Provided at No Additional Cost

Buildings Cover

Our Buildings policy provides cover against physical loss or damage on an all risks basis, plus the following additional covers at no extra cost:

New Additions, Improvements or Alterations to the Buildings up to 30% of the Buildings Sum Insured
Alternative Accommodation and/or Loss of Rent for You, Your Pets and Tenants for up to a period of 3 years
Alternative Accommodation for You and Your Pets if you are Prohibited from Accessing the Home for up to a period of 3 years
Additional Expenses and Fees, Including Architects, Surveyors, Engineers, Debris Removal and Making Safe
Closed Circuit TV up to £10,000
Essential Adaptations or Alterations to the Home Following Injury up to £50,000
Fatal Injury up to £50,000 per Person
Fire Extinguishers up to £10,000
Fly Tipping up to £5,000
House Sales – Anyone Buying Your Home will have the Benefit of the Buildings Cover
Increased Water Charges up to £10,000
Index Linking Applied Monthly
Landscaped Gardens up to 10% of the Buildings Sum Insured
Replacement Locks up to £5,000
Temporary Removal of Permanent Fixtures up to 10% of the Buildings Sum Insured
Trace and Access of Water or Oil up to 10% of the Buildings Sum Insured
Underground Services, Including Tanks, Pipes, Sewers and Drains up to the Buildings Sum Insured
Property Owners’ Liability up to £5,000,000
Defective Premises Act up to £5,000,000
Buildings extended replacements costs up to 30% of the Buildings Sums Insured
Emergency Access
Legal Advice Service for Personal Legal Problems

Contents Cover

Our Contents policy provides cover against physical loss or damage on an all risks basis anywhere in the world, plus the following additional covers at no extra cost:

Alternative Accommodation, Rent You Have to Pay and Loss of Rent for You, Your Pets and Tenants up to 30% of the contents sum insured
Alternative Accommodation for You and Your Pets if You are Prohibited from Accessing the Home up to 30% of the Contents Sum insured
Book Debts of Your Home Business up to £5,000
Closed Circuit TV up to £10,000
Computer Data up to £5,000
Contents in Storage up to 30% of the Contents Sum Insured
Credit Cards up to £30,000
Death of an Artist up to 200% of the Items Sum Insured
Deeds, Registered Bonds and Personal Documents up to £10,000
Defective Title up to 15% of the Contents Sum Insured
Domestic Oil up to the Contents Sum Insured
Domestic Staff Contents up to £10,000
Fatal Injury up to £50,000 per Person
Fire Extinguishers up to £10,000
Freezer and Refrigerator Contents up to £5,000
Gap Year Students’ Personal Possessions up to £7,500
Garden Plants, Shrubs and Trees up to £10,000
Gift Purchases up to 25% of the Contents Sum Insured
Guests’ Personal Possessions up to £10,000
Hole in One Cover of £600
Increased Water Charges up to £10,000
Marquees at the Home up to £30,000
Money up to £10,000
New Purchases up to the Value of the Item Purchased
Professional Removals up to the Contents Sum Insured
Replacement Locks up to £5,000
Residential Care Contents of Parents up to £10,000
Rewards up to £10,000
Underground Services, Including Tanks, Pipes, Sewers and Drains up to the Contents Sum Insured
Occupiers’ Liability up to £5,000,000
Personal Liability up to £5,000,000
Court Awards up to £2,000,000
Accidents to Domestic Staff up to £10,000,000
Tenants’ Liability up to £2,000,000
Contents extended replacement costs up to 25% of the General Contents Sum Insured
Legal Advice Service for Personal Legal Problems
Fine Art and Antiques extended replacement costs up to 200% of the Items Sum Insured
Nest Removal
Watches and Jewellery Extended Replacement Costs

Contents cover can also be extended to increase the policy limits for items in the open, business contents and contents in garages/outbuildings.

We can also provide an appraisal service where can assess the buildings, contents and valuables, and provide an assessment of the insurance needs and requirements. There is a fee for this service, depending on the size of the risk – please contact our office for further details and costs.

Cover for all sections is subject to the full terms, conditions, limits and exclusions of our Private Clients Home Insurance policy wording. Please click the Summary of Cover button above to view or download a current copy of this policy wording.