How to Buy High Net Worth Home Insurance

Do you live in a high value house, perhaps have a holiday home too or maybe you have high value contents, such as some fine art or expensive jewellery? Perhaps your house or belongings are simply not 'standard'. If so, you'll need to know how to buy high net worth home insurance.

There is so much advertising and general focus on price comparison websites offering that many consider these as the only route to buy home insurance. For those with 'standard' requirements they may well be a good option.

For non-standard insurance needs though, this is unlikely to be the case - insurers are unlikely to quote online for anything out of the ordinary.

If you do have a non-standard house, or for example have a high value collection of art, wine or antiques you may well be better to get advice from an insurance broker.

They are the experts, fully understand the insurance terminology and will be able to assess your particular insurance needs.

They will take these needs and research the market to make sure you get the cover you need. You don't need to worry about comparing quotes from different providers.

A broker will be available to support you too should you need to make a claim.

Fundamentally, insurance is about making sure you are covered should you face an issue, such as a burglary, fire, have some damage as a result of some DIY activity, etc and need to make a claim.

Getting the cheapest policy may not be the best option - you may find you're not covered when you need to make that claim.

There is of course the need to get cover at the best price, but don't just be driven by price. First and foremost make sure you buy a home insurance policy that meets your needs.

So is using an insurance broker worth it?

From personal experience, the answer is 'absolutely, yes'.

Quite simply, firstly I know we have the cover we need - Jill Fletcher and her team at Baxters take our requirements, convert them into 'insurance speak' and then arrange the cover we need.

Secondly, the service and support provided is second to none. We tested this when we got stuck in the car in the snow and needed to make a claim.

Initially the contact with the breakdown service and the insurer didn't go as smoothly as it needed to. Suffice to say though our broker stepped in and resolved all for us. They really were worth their weight in gold!

To get you free insurance advice, simply contact our partner insurance broker.

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