If you live in a higher value home or have high value possessions like jewellery and fine art, a ‘standard’ home and contents insurance you can buy online can often fall short.
Standard policies are likely to be subject to cover limits that makes them unsuitable for higher value homes. Buying cover that isn’t right for your personal circumstances could leave you out of of pocket when it comes to making a claim as many insurers use ‘average’ clauses to reduce payouts in cases of under-insurance.
Specialist high or mid net worth household insurance offers higher limits that can help protect those high precious value items. An insurance broker can help you navigate the complexities of owning a high value home and contents, making sure you have the right level of insurance in place.