Household

It is vitally important that you insure your home.

What would you do if your home was destroyed? You must insure your Home for the total rebuilding cost should it be destroyed (not the market value)

It is vital to insure your home contents.

Most people under estimate the value of their contents. Contents includes curtains, carpets, furniture, TV and Hi-Fi, books, collections, jewellery, tools, clothing* and linen*. You should assess the current cost to replace all these items. Calculate the cost of replacing everything in your living room now and see how quickly the cost rises!

* Note - an allowance for wear and tear will be deducted from the cost of clothing and linen.

We have invested in "price comparison" software which checks the premiums required by over 20 main insurers for your Household Contents and/or Buildings. Initially we will choose a competitive premium for your insurance but then we will assess your individual requirements and advise you of the best policy available.

Contact us today to insure your Household Buildings and/or Contents

High Value Household Insurance

Your home is as individual as you. We understand that our clients home insurance requirements vary greatly. As a Prestige homeowner getting the right insurance in place for your property, contents and valuables will be a priority. We can arrange tailor-made policies through a range of High Net Worth insurers that cover most eventualities from Buildings, Contents, Valuables, Jewellery, Fine Arts, Antiques and Collections through to Motor and Travel Insurance, Second Homes, Holiday Homes, Legal Protection and Identity Theft Cover.

Home Buildings Insurance

We will give you full details about your policy before inception but here are some of the Standard Buildings Insurance Perils covered and exclusions;

• Storm or Flood
• Escape of Water/Oil
• Subsidence
• Theft or attempted Theft
• Collission by aircfaft, road vehicles, animals
• Falling Trees
• Fire
• Malicious Damage
• Riot

Standard Buildings Insurance Exclusions;

• There is usually a standard excess (the amount your are responsible for) of up to £100, rising to £1000 for subsidence.
• Loss or damage caused whilst your home is unoccupied
• Terrorism

Accidental Damage cover can be added to Buildings insurance if required. Example - you put a ladder up against the guttering which is accidentally damaged.

Home Contents Insurance

We will give you full details about your policy before inception but here are some of the Standard Contents Insurance Perils covered and exclusions;

• Storm or Flood
• Escape of Water/Oil
• Theft or attempted Theft
• Falling Trees
• Fire
• Malicious Damage
• Riot

Standard Contents Insurance Exclusions;

• There is usually a standard excess (the amount your are responsible for) of up to £100
• Loss or damage caused whilst your home is unoccupied
• Terrorism

Accidental Damage Cover can be added to the Home Contents Insurance. Example - you spill some nail varnish on the carpet.

Cover can also be arranged to include personal possessions outside of the home and on holiday.