Exclusive home package

Why standard cover is not enough

A rebuild value calculator works from averages and takes no account of natural stone, bespoke interiors or unusual installations. For villas, the difference from a valuation runs into hundreds of thousands.

For the home contents the same applies: sub-limits for art, jewellery and collections are quickly reached.

What an exclusive package adds

Valuation of the building and contents instead of a calculation.

Wider cover limits and often a higher liability sum.

Sometimes a dedicated contact for claims and faster handling without a standard procedure.

What the insurer looks at

Security: an alarm connected to a monitoring centre, camera surveillance, sometimes a safe. On larger plots, the perimeter security as well.

Occupancy: if the home is regularly empty for long periods, that is a point to note.

What you arrange

Have the building and contents obtaining a valuation and update it periodically. For unusual objects — art, wine, cars — separate valuables insurance is more suitable than a raised contents sum.