High Value Property Insurance For Your High Value Possessions

The United Kingdom has a long and interesting history

, manifested in some magnificent buildings and wonderful antiques. Should you be lucky enough to own a listed property or a collection of priceless antiques, you will by now be aware that finding a suitable insurance policy to cover and protect these snippets of our history is indeed extremely difficult to find. The are very few insurance companies that have taken a special interest in this particular aspect of high value property insurance and therefore competition is strong amongst the few companies in this niche area. Those companies that do work with this type of insurance are able to offer you a wide range of cover for your irreplaceable home and precious possessions. These policies of course extend to cover all luxury residences, whether ancient or modern.

The policies available on the market at present are tailored to cover the total value of your home. For example, should your property be extensively damaged or be a total loss, there are policies on offer that will cover the cost of the complete rebuild, including the use of period materials, in order to return your home back to its original state. Another option which some companies include in their policies is that of cover for the cost of relocation and accommodation while your home is being restored.

Over and above the costs involved in rebuilding your home, there are some policies that will cover any loss of value caused to your fine art, antique furniture and irreplaceable collections, whatever they may be. Further examples of these unique policies are, for example, that your guests' possessions can also be covered, up to certain limits, and identity fraud policies with varying coverage.

Standard coverage in almost all policies includes accidental damage to your property and contents cover worldwide, should you own a property abroad or take some of your valuables with you when you travel. A standard feature of almost every policy is that these companies have 24/7/365 home emergency cover. Trace and access cover is unlimited in most cases.

As a potential customer of high value property insurance and as there is such great competition in this niche market, many of these companies are able to offer all their policies on a warranty free basis. Free valuations of your property and possessions, subject to specific terms and conditions, are generally the norm. Should you choose to contact these companies for a quotation though the internet, special discounts on the full cost of any policy sold in this manner are the generally rule. Alternatively, you may call any company of your choice to send one of their highly experienced brokers to discuss your insurance needs in the comfort of your home.

As high value property insurance is such a specialised area, it is advisable to contact as many companies as possible, in order to find the policy most suited to your needs and to ensure that your home and valuables are insured for their replacement value and against any eventuality.

by: Neil Anderson

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