Household Insurance

Find the insurance you need to make sure your higher value home and its contents are properly protected.

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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.

Standard Covers

  • Buildings.

  • Contents.

  • High value items such as jewellery and fine arts.

Optional Covers

  • Worldwide travel insurance.

  •  Home sitting.

  •  Road rescue.

  •  Prestige motor.

Household Cover for High Net Worth Clients

At Stonebridge, we can help make sure your high value home is properly protected. We’ll take the hard work out of gathering up to date property and asset valuations and work closely with you to identify any specialist covers you might need - explaining the industry jargon in plain English as we go.

We’ll call on our industry relationships and wide market access to find you the right level of cover that is tailored to your individual needs and accurately reflects the value of your property and personal assets. Our insurance will be written on an ‘All Risks’ basis and can include legal expenses insurance too.

Through our relationship with Marsh, a global leader in insurance broking and risk management, we can offer access to enhanced policy wordings that may not be available from other insurance brokers.

Related FAQs

See all FAQs

What is Keyman insurance?

It is a life insurance where critical illness cover can also be included to protect your business against the loss of profit should a key employee pass away or be diagnosed with a critical illness. You can also protect against the loss of a key employee to protect a debt, and it could also help towards the costs of employing and training new personnel.

Who could be classed as a key employee?

Key employees can be regarded as individuals whose knowledge, skills, experience, key relationships or leadership are very important to a business’ future financial success. These can be a senior manager, top sales person, technical specialist, business founder.

How much cover would be needed for Keyman?

This would depend on your specific business needs which we would discuss together. This could be a multiple of profits, a multiple of salary or turnover. Your accountant would be able to provide this information to you.

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