High Net Worth Home Insurance Broker
Get the right cover for your home and valuables
High Value Home Insurance for clients who require more than a standard "off the shelf" policy.
Our expert team of insurance advisers provide impartial support and advice to high net worth individuals to make sure they get the right level of cover for their needs.
Bespoke Home Insurance for Affluent Individuals in Scotland
We have years of experience helping high and mid net worth individuals and families in Scotland arrange the right cover at a competitive price. We have access to leading insurers as well as specialist schemes and facilities who can be a bit more flexible than the call centre or online comparison sites.
Type of covers available:
- Buildings
- Contents
- Personal possessions outside of the home
- Collections and collectables
- Fine Art
- High value jewellery and watches and antiques
- Outbuildings and home offices
- Home Emergency
- Legal Expenses
- Identity theft and cyber protection
- Multiple homes
We can help homeowners who have or require:
- A listed building, older or larger homes
- Contents in excess of £100,000
- Worldwide all risks cover – your home’s contents and valuables are covered worldwide, including high value items, jewellery and art.
- Accidental damage & loss cover for buildings and contents as standard.
- Higher Limits – you only have to specify items such as jewellery that exceed £10,000 in value, and artworks or antiques in excess of £25,000.
- Fast, superior Claims Handling – The high net worth home insurers on our panel have won awards for their claims service
What do I need to be aware of when buying high net worth insurance?
You get what you pay for. An off the shelf solution will probably not give you the protection you need. Be honest in your appraisal of the value of your contents
A lot of standard home insurance policies are bedroom rated and will give you a blanket building sum insured of £500,000, £1m or even unlimited cover. The same for contents with policies giving you £50,000, £100,000 or unlimited cover again. When you don’t fit the box you will have to come up with some more accurate, bespoke sums insured to fit your needs.
If you don’t know your building rebuild value then you can use the ABI rebuild cost guidance for free at https://abi.bcis.co.uk/. Remember that insurance policies work on the rebuild or reinstatement cost, not the market value.
If you live in a property that is of non-standard construction or listed then information is key. The more detail you can supply then the better and more bespoke options you will get.
If you have something in your home which is proving difficult to insure on a standard policy such as a collection of memorabilia, whiskey, art or jewellery then full descriptions, recent valuations and serial numbers will be required.
Check the terms, conditions and specific endorsements. Keep an eye on the security requirements, excesses you have agreed to and inner limits for valuables or contents in outbuildings.
Your Trusted Insurance Broker in Falkirk
If you need to claim on your policy we will help and assist you through the process. We are not here just to sell you a policy once a year but to offer support should you need to claim or there is a change to your business.
What Coversure Falkirk can do for you:
- Meet with you to discuss your needs and gather the relative information
- Approach insurers and markets on your behalf
- Recommend the most appropriate option for your needs
- Be available throughout the year, no call or processing centres for you to deal with
- Help you manage the claim process should you be unfortunate enough to suffer a loss
Why use Coversure Falkirk?
We are authorised and regulated by the Financial Conduct Authority to give advice.
We aren’t tied to any one insurance company which means we can approach the market on your behalf and make recommendations to you based on the quotes we get back.
We will explain the covers on offer, limits applicable and any specific clauses and conditions you should be aware of to ensure that you are compliant with the terms and conditions of the policy.
