High net worth insurance

Owners of high value homes and treasured possessions such as antique furniture, paintings, and jewellery need specialist insurance. The cover offered by normal household policies may be inadequate and may lack the specialised features of a High Net Worth insurance policy.

Towergate Risk Solutions Sevenoaks has the in-house expertise to arrange high net worth insurance protection for your home and most treasured possessions. We can advise you on the correct level of cover whilst providing you with a highly personalised service and claims back-up.

We will insure higher value homes and property as well as fine arts, antiques, jewellery and a variety of other specific high value personal possessions. We can also advise on security and assist with valuations as part of our normal service.

Am I a high net worth client?

You may need high net worth insurance if two or more of the following points apply to you:

• You own a house with a rebuild value in excess of £500,000 or market value above £750,000
• You cherish your house contents, as many pieces are unique
• You own a car that is carefully chosen to reflect your lifestyle
• You go on a variety of holidays as an essential part of your lifestyle, including travelling to properties that you own outright abroad

Standard household packages do not, as a rule, offer a valuation service – you have to conduct the valuation yourself. And you may find yourself penalised in the event of a loss, should your sums insured not be sufficient. High Net Worth policies will often offer a valuation service at no extra cost, guaranteeing full cover.

For more information or a free quotation, call the high net worth team on 01732 228 747