Why Specialist Villa Insurance?
A Villa or luxury home requires more than standard home insurance. With exclusive building materials, thatched roofs, swimming pools and high-quality finishes, the repair costs in case of damage often many times higher than in regular homes. A standard policy often covers a maximum of €1 million – insufficient for many villas.
A exclusive villa insurance provides coverage up to €5 million or more and is specifically tailored to the unique risks of luxury homes. Marble, natural stone, custom woodwork, swimming pools, pool houses and thatched roofs – everything is fully covered at the actual rebuilding value.
Bee Finass Insures we specialize in exclusive home insurance. We work with insurers who really understand villas and country houses, and offer you Personal advice for a policy that perfectly suits your home.
Why Standard Insurance Is Not Enough
Luxury homes entail specific risks that standard home insurance does not always cover:
High-quality Building Materials
Marble, natural stone, custom woodwork and exclusive finishes are expensive to replace. Standard policies often do not cover this sufficiently.
Increased Fire Risk
Thatched roofs, fireplaces and advanced electrical installations increase the fire risk. Many insurers exclude this.
Outbuildings & Facilities
Swimming pools, pool houses, conservatories, outdoor kitchens and garages significantly increase the insured value.
Higher Burglary Risk
Luxury homes with valuable possessions are more often targets of burglary. Good security and coverage are essential.
What does an Exclusive Villa Insurance cover?
A villa building insurance policy offers comprehensive protection that goes beyond standard policies:
Fire & Smoke
Full coverage including fire-fighting water and smoke damage
Storm & Hail
Damage to roof, facade, windows and garden structures
Water damage
Leaks, flooding and burst pipes
Burglary & Vandalism
Repair of damage to doors, windows and security
Swimming pool & pool house
Fixed structures including installations
Outbuildings
Garages, conservatories, outdoor kitchens and garden houses
thatched roof
Full coverage without exclusion or higher deductible
Glass areas
Large windows, conservatory glass and luxurious glass walls
Luxury Materials
Marble, natural stone and custom finishes
💰 Indication of Premium Villa Insurance
Luxury Home - Standard
Reconstruction value €500,000 - €1,000,000, standard roofing
Exclusive Villa - Custom made
Reconstruction value €1,000,000+, thatched roof, swimming pool, outbuildings
The exact premium depends on reconstruction value, location, building materials, security measures and chosen coverage. Request a no-obligation quote for an exact amount.
✅ Checklist: Is Your Villa Well Insured?
Reconstruction value current? Have your villa valued by a specialist.
Are outbuildings also insured? Swimming pool, pool house, conservatory, garage?
Thatched roof covered? No exclusion or higher deductible?
Luxury materials? Marble, natural stone, custom finishing?
Glass coverage? Are large windows and conservatories insured?
Security? Do you meet the insurer's requirements?
Guarantee underinsurance? Full benefits guaranteed?
Renovations reported? Reconstruction value adjusted after renovation?
