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High Value Household Insurance

Private Client Insurance Cheltenham

We at JMP understand that when you own an expensive home, buy beautiful contents to complete that home and collect art or valuables you need a higher level of cover to ensure all your possessions are protected. The “off-the-shelf” products are no longer suitable for your requirements and you need a full review service. We at JMP offer a personal concierge service giving you ongoing confidential reviews and providing tailored insurance covers to meet these ever changing needs.

Your home is one of the most significant financial investments you will ever make and it is therefore important you get professional advice and guidance when you come to protect this asset.

Our specialist private client team will do a full review of your insurance requirements and then recommend the most suitable policy for you.

We can include cover for:

  • Listed properties
  • Ultra-modern houses
  • Large estates
  • Houses undergoing renovations
  • Thatched properties

No matter what type of home you have we will find a solution to suit you and ensure your property is protected if the worst happens.

24/7 Contact

You will have a dedicated account executive who will be on hand at all times. They will visit you in your own home whenever needed.

Contact our Private Clients team today
What is High Value Home Insurance?

High Value Home Insurance provides bespoke cover for anyone with a property rebuild in excess of £400,000 and contents exceeding £100,000.  Each policy is underwritten on its own merit, giving you greater flexibility and fewer exclusions. You also benefit from a first-class service from our private clients team.

How High Value Home Insurance protects you

Tailored to your individual circumstances, high value home insurance provides superior cover with a much wider scope than a standard household policy, making it ideal for more complex requirements.

  • Bespoke buildings and contents insurance – including worldwide cover for contents & jewellery, whatever their value, and alternative accommodation equal to your own property
  • Wider scope of cover – your high value home insurance policy can include second homes, holiday homes, rental properties, cars and yachts
  • Warranty-free policies – if you forget to set your alarm or lock your door, you’ll still be covered
  • Higher single item limits – you only have to specify items of jewellery that exceed £10,000 in value and pieces of fine art or antiques in excess of £15,000
  • Simplified claims process – you can insure valuable items on an agreed value basis, so there will be no settlement negotiations if you have to make a claim. You will always have the choice on how your claim is paid too.
What is covered by a high net worth home insurance policy?

Every home is unique therefore we believe that your high value home insurance policy should be too. We will review your individual needs and build a bespoke policy for you, the cover you require will depend on the type of property you have, the value of contents you own and the lifestyle you lead.

Although every high value home insurance policy is designed specifically for your needs they typically cover the following:

Buildings
Contents
Alternative Accommodation
Trace and Access
Liabilities
Legal Protection
Personal Cyber
Buildings

This protects the property in the event of damage to any of your buildings including external walls, swimming pools and tennis courts. You should ensure that your sum insured should represent the rebuilding cost of the property not the market value.

Following a survey our insurers are also able to provide guaranteed cover* giving you peace of mind if the worst happens and the cost to rebuild your property is more than you are insured for the insurers will pay the full cost anyway.

*subject to insurer terms

Contents

Our insurers provide worldwide cover on all contents. Accidental damage and loss is also covered as standard so you are protected for all eventualities.

Alternative Accommodation

Covers the cost, with no limit, of somewhere to stay for you, your family, and domestic pets, if your home can’t be lived in.

Trace and Access

Covers the costs for tracing the source of a water or oil leak and repair any damage caused by the search. This is covered up to your buildings sum insured with no limit.

Liabilities
Personal Liability

This covers any financial liability that you are personally responsible for, following damage to third party property or personal injury to others.

Property Owners Liability

This covers your responsibility as a property owner, if you are held as negligent following personal injury to others on your land or property.

Domestic Employers Liability

This covers your legal obligations to protect your domestic employees if they are injured during the course of their work for you.

Legal Protection

This is designed to provide legal support and protect your rights, it also covers the costs for legal defence if required.

Personal Cyber

This provides both assistance in the event of a cyber attack on you or your family. It includes investigation costs, reconfiguring and rectifying any damage caused and restoring data if possible. You will also get defence assistance and costs if you are accused of failing to secure or prevent unauthorised access to private data. You will also receive support on how to better protect your home system network following a loss

Does your home need bespoke insurance?

Contact our private clients team to discuss your home and how we can help you.

JMP Private Clients