High value home and contents insurance
Key Benefits
When something bad happens you want to get your life back in order quickly. We respond to claims in 24 hours and issue payment within 48 hours of approval.
Your home and all that is in it, reflects everything you have worked for. We have a team of qualified home appraisers who will help assess everything that is important to you, so there are no quibbles when it comes to what we pay out.
Knowing you and your family’s valued possessions are properly covered provides peace of mind. Our policies are written from years of experience to provide comprehensive bespoke coverage, so you know your possessions are properly protected.
Protecting all that makes your house, your home
Whether you’ve recently bought your house, or it’s been in your family for generations, we understand the care and attention that goes into making it your home.
We don’t leave you to guess the value of your home. In most instances, we send an expert Chubb risk consultant to document the intricacies of your property and precious possessions, so you know you have the coverage you need. If you have high value contents worth over £100,000 you will benefit from our bespoke policies.
We restore to the standard you expect, and never below. For most homes, we guarantee that we will repair or rebuild your home exactly as it was, even if the costs exceed your sum insured.
We won’t force a course of action on you. In the event of covered total loss, if you decide not to rebuild, you can take an equivalent cash settlement of the value of your house.
From hotels to short-term residences, if you need a place to stay while your home is being repaired or rebuilt, we’ll help you find the right place based on where you’ll be most comfortable.
Whether you own a weekend house in the country, a holiday home in France, or have an extensive worldwide property portfolio, we may be able to cover all your properties under one insurance policy.
It’s difficult to know exactly how much your contents are worth. For most homes, if the sum you’re insured for isn’t quite enough, we will automatically increase it by up to 25%, following approval.
If a theft or burglary leaves you or your family disturbed we know how hard it is to carry on as normal. Our policy will cover the cost of any counselling to get you back to your old self and any upgrades in security that you may wish to do to your home for added peace of mind.
Home and contents insurance
- Complimentary home assessment service
- Unlimited repair coverage
- Additional living expenses covered
- Cash-instead option
- Replacement value for contents
- Water or oil leak coverage, including cost of loss and damage
- Comprehensive family protection
- Worldwide travel insurance
- Public liability and legal expense coverage
- Comprehensive worldwide coverage of valuables to their Agreed Value
- Recovered items offered back at no higher an amount than what was paid out
- Dedicated in-house team of Fine Art, Jewellery & Collection Specialists, with referrals to a global network of vetted collection experts
- Collection Risk Assessment and Valuation Review
- Liberal valuation requirement with immediate coverage for newly acquired items