High Value Home Insurance

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At Aston Lark, we work directly with specialist high net worth insurance underwriters to tailor a high value home insurance policy which fits your property, contents and circumstances. Our role is to relieve you of the complexity that goes with ensuring the right cover is in place when you need it, while never forgetting the importance of price. It is our mission to make your life easier.

A high value home insurance policy with Aston Lark can include:

  • Enhanced alternative accommodation cover if your home can’t be lived in due to a claimable incident.
  • Enhanced levels of trace and access cover so if you have a leak, the investigation costs will be covered as well as the resulting damage from the leaking water.
  • High value contents insurance for collections of jewellery,  watches, fine art, antiques, guns and many other types of valuables.
  • Pairs & Sets cover. If you damage an item that’s part of a pair or set and a replacement can’t be found, the entire set will be replaced or compensated for.
  • Automatic cover for new purchases. If you treat yourself to something new, it will be automatically covered for up to 60 days before you need let us know (subject to a maximum value, dependent on insurer).
  • Access to high net worth insurers and independent surveyors who’ll be able to validate your current building sum insured.

What you can expect from our Private Clients team and  your high value house insurance

You get a senior, dedicated insurance professional to work with you. As part of the service, they’ll:

  • Get to know you personally and understand your priorities
  • Advise you on protecting your home and possessions
  • Make sure our high value buildings insurance and contents solutions meet or exceed your expectations
  • Negotiate a suitable combination of cover and price for you
  • Meet and communicate in a way that suits you
  • Simplify your insurance portfolio, such as having your home, cars and additional properties all under one high net worth insurance policy
  • Connect you with our trusted partners, if you need help with valuations, rebuild surveys or security improvements
  • Work with our dedicated claims team to make sure any claims run smoothly

If you would like to get in touch, please complete the enquiry form opposite or call us on 020 8256 4901

Frequently Asked Questions

Do I need a high value home insurance policy?

A high value home should be insured under a mid net worth or high net worth insurance policy, rather than a standard home policy. These policies cost a little more but give a much better level of protection.

Why should I use a broker for my high value home insurance policy?

If you own a high value home and don’t have a broker to advise you, here is why you should.

How confident should I be that my valuable are covered properly under my high value home insurance policy?

A figure for valuables – such as jewellery and watches – on your home policy doesn’t mean that you’re properly covered.

Items over the insurer’s Single Article Limit need to be specified, even if the total valuables figure is sufficient. Therefore, you must let your insurer know if you have valuables over the insurer’s figure.

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If I have an unlimited contents policy, do I need to worry whether I’m covered properly or not?

There is no such thing as ‘unlimited cover’ no matter how much you pay.

Just because your contents are unlimited this doesn’t mean that you’re properly covered. In fact, it doesn’t mean that you are guaranteed anything, it simply promises to pay up to an infinite figure – there is no guaranteed minimum figure. Plus, there are all kinds of inner limits which will apply.

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Do I need alternative accommodation cover?

One aspect of high value home insurance policies that is often overlooked is alternative accommodation cover. This is an amount payable by an insurer to cover the cost of renting a temporary home for you and your family (and pets) following a claim that leaves your home uninhabitable.

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Will a mortgage valuation give me an accurate rebuild figure for my home insurance?

A mortgage valuation is there to protect the lender. In fact, most have a clause that states they may not be disclosed to a third party and it’s not that uncommon, especially on older properties, for a mortgage survey to give a nil valuation.

Mortgage valuations are often cursory and not to be used as a basis for insurance. Setting your buildings sum insured is important as it’s the amount that you will receive from insurers to rebuild your home should it suffer a major loss.

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Your home in our hands

Private clients case studies

Examples of clients we support

Key to the work we do is understanding how our clients live, so that we can construct an insurance portfolio that gives you the freedom to operate as fluidly as you’d like.

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