Specialist rebuilding
Bespoke joinery, imported finishes, landscaping, outbuildings and architectural details can materially affect the building sum insured.
SELECTED PERSONAL INSURANCE
High value home insurance
Prestige and bespoke homes often need more than a standard home policy. For selected clients, we can review specialist cover for the residence, high-value contents, jewellery, art and collections.
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WHO IT MAY SUIT
Owners of prestige homes, architect-designed properties and significant collections.
Specialist cover may also suit clients whose rebuild cost, finishes or valuable contents exceed standard insurer limits.
WHAT WE REVIEW
- 01Rebuild cost and construction
- 02Architectural and heritage features
- 03Jewellery, art and collections
- 04Security and occupancy
- 05Renovations and recent upgrades
- 06Flood, bushfire and location exposure
PRACTICAL COVER REVIEW
Protect the cost of rebuilding, not the sale price.
The market value of a property includes the land. Building insurance is concerned with reinstatement costs, including labour, materials, demolition, professional fees and features that may be expensive to reproduce.
Valuable belongings
Jewellery, fine art, wine, antiques and collections may require separate limits, valuations or itemisation.
Claims expectations
We review settlement options, repair arrangements, temporary accommodation and the insurer's approach to higher-value claims.
WHY THE DETAILS MATTER
Cover should reflect how the home is built and lived in.
Set realistic sums insured
A quantity surveyor or suitable building-cost estimate may be appropriate for a complex residence. The amount should be revisited after renovations, additions or major changes in construction costs.
Identify items needing special treatment
Standard limits can be inadequate for jewellery, watches, artwork, collections, bicycles and items taken away from home. Photographs, receipts and current valuations can make placement and future claims clearer.
Review the whole household exposure
We consider occupancy, security, home-based business activity, secondary residences and other information that may influence the insurer. For existing commercial clients, this provides a more coordinated review.
Cover is subject to insurer acceptance, the policy schedule, Product Disclosure Statement, limits, conditions and exclusions. This information is general and does not take into account your objectives, financial situation or needs.
CONNECTED COVER
Look beyond one policy.
We consider how this cover fits with the other policies arranged for you or your business.
A CONSIDERED REVIEW
Discuss specialist home cover.
Provide the property details, estimated rebuild cost and an outline of significant contents. We can advise what further information may be needed.
Request a confidential review →