Lifesure high value home insurance caters to those individuals who need that little bit more from their home insurance. We have the right markets & expertise to provide bespoke specialist policies for household contracts starting at £75,000 of contents and stretching up to a combined buildings & contents cover in excess of £10 million. We can also provide cover to include specialist collections, works of art, antiques or jewellery with a value in excess of £5,000.
So after having assessed your needs, we are almost certain that we can quote a policy that is best suited to you and your lifestyle.
Lifesure has access to a panel of some of the most respected high value home insurance companies, so you can be safe in the knowledge that your home insurance has been carefully tailored to suit your requirements (including covers that you may have not have thought was available as a part of your home insurance).
Our panel of high value home insurance providers include the following covers as standard:
- Worldwide all risks for contents, personal effects, art and antiques and jewellery
- Accidental damage covered for buildings and contents
- Property owner’s and personal liability cover*
- Family legal service and legal expenses cover up to £100,000
- 24 hour home emergency assistance*
- UK based claims service with your own dedicated handler
- No automatic warranties / endorsements
*policy limits will apply. For details please contact us on 01480 402475.
- If you need unlimited cover for damage caused by pets, this can be arranged with one of our panel of insurers (up to the sum insured) as a standard part of their cover
- If you need unlimited cover for pedal cycles, this can also be arranged with one of our panel of insurers (up to the sum insured) as a standard part of their cover
As with all insurance policies there will be exclusions and conditions attached. The level of cover that you choose will determine some of the exclusions and as we have a range of insurers, the exclusions and conditions vary between them.
Talking to one of our advisers will ensure that you have the policy that best suits your needs.
Please make sure that you read your policy documents for the full list of exclusions and call us on 01480 402475 if you have any questions.
Please note that regrettably we are unable to offer quotes to residents of Northern Ireland.
Our insurance team are experienced and are on hand to manage your insurance portfolio, offer advice, and assist in the day-to-day management of your policies.
You are more than a policy number to us. We offer all of our clients:
- Experienced and knowledgeable insurance career professionals
- A Cambridgeshire based team. We are not a call centre
- All of our insurers offer a full professional claims centre should it be required
- We have access to a wide range of insurers and policies that are not available direct to the public
- We will endeavour to find the right solution for your business
- We are authorised and regulated by the Financial Conduct Authority giving you complete protection
You will wish to be aware that we use a number of different insurers and therefore your policy cover may differ from that shown.
Copies of the policy documents from a number of our high value home insurance policy providers can be found by clicking this link.
We have a library full of articles and practical advice that we have written for our customers on a variety of topics including motoring safety and tips on saving money.
The motoring advice library can be accessed here.
How do I find out my building sum insured (BSI)?
If you are buying a home it is possible that you will be able to find the rebuilding cost of the property on your home buyers survey. Another place to look is the website from the Royal Institute of Chartered Surveyors (RICS), they have a helpful calculator to work out how much you should be insuring your home for.
What’s the difference between standard accidental damage and full accidental damage cover?
Standard cover includes all of the normal perils you will find in a home insurance policy, such as fire, theft, storm damage etc. A standard policy will also generally cover a certain amount of accidental damage cover to contents: accidental damage to televisions, radios, home computers, video recorders, audio equipment, satellite dishes and aerials. To buildings: accidental breakage of glass and sanitary ware.
Full accidental damage will cover accidents to all contents, such as spilling paint on a carpet or a cup of tea on your sofa.
Are my valuables covered at all if I don’t have personal possessions cover?
Valuables are covered whilst in your home subject to the single item limit. To ensure your valuables are covered away from the home, you would need personal possessions cover.
What is new for old cover?
New for old cover means that if you have a claim, any item that is replaced will be replaced with a brand new item to the same specification of the item that was lost or damaged.
Are there any advantages combining buildings and contents in one policy?
If you combine buildings and contents cover you will be given a discount for having both sections of cover on one policy. Also, if you are unfortunate enough to have a claim that affects both your building and contents, you will only pay one excess, not two if they are insured separately. Another advantage under a combined policy in the event of a claim involving both contents and buildings is that you will only have one insurer to deal with.
What is meant by escape of oil or water?
Escape of water is when water that has entered your property by the mains water supply has, at some point on its journey within your house, escaped from the pipe or tank that it was in, and caused damage to your property. Usually this will mean from a burst pipe.
What items are usually subject to a deduction for wear and tear?
Most items that are claimed for are replaced on a new of old basis. For some items a deduction is made for wear and tear. This would generally apply to household linen and clothing.
What are gradually operating causes?
Gradual operating cause is better known as wear and tear. This is damage that occurs over a period of time and is something that would not be covered under a home insurance policy.