Having a high value home can
bring special problems because not only is the home
itself very valuable; with the contents, likely to
include jewellery, fine furniture, paintings, wall
and floor coverings etc at particular risk of damage
or theft; but often there are external belongings
too, such as high quality cars, yachts, and overseas
property to consider. Higher income home owners tend
to travel extensively too and they may want their
belongings, whilst either at home or on their
person, covered whilst they are travelling
worldwide. They are more likely than the average
person to have children at university; their
belongings are at risk too and even the most
economically-minded student can take several
thousand pounds' worth of belongings away from home.
Most of the larger insurance companies are perfectly
happy to quote for suitable cover but there are also
a number of specialist companies who will offer a
more bespoke service by meeting the clients at their
home and taking a full inventory of possible losses
and even arranging valuations for particularly
valuable items. Naturally their charges will reflect
a personalised service.
