Prestige Home & Contents – Whitbread Insurance Brokers

Prestige Home
and Contents

If you own a high value home, your insurance requirements are slightly different. Standard house and contents insurance policies generally cover large-scale general damage to a property, but don’t provide for things like fine art or other expensive lifestyle assets.

Whitbread can source a Home and Contents insurance policy tailored to your personal needs, at a competitive premium cost.

These specialist home and contents insurance policies cater for:

Heritage listed buildings
Jewellery and other personal items
Fine art, paintings, antiques and curios
DVD and computer equipment
Restoration and replacement of personal documents

Whitbread recommends that your House and Contents insurance policy is an Accidental Damage insurance policy. This type of policy is more comprehensive than a Defined Events policy. For example: should you accidentally spill paint on the carpet or drop your television these items would be covered under an Accidental Damage insurance policy but not under a Defined Events insurance policy.

Please Note: Below are some of the more common insurance policy features based on Chubb 17-29-0919 Published 09/2019 and AIG V20191101IPI_PCGI, however, the list is not exhaustive and some features may not be offered by other insurers. Please refer to the insurer-specific policy wording for inclusions, exclusions, terms and conditions.

Covered Features

Accidental Damage

Accidental breakage and damage are covered under a prestige home policy, including breakage of items while they are being carried or in use.

Worldwide Cover

All possessions are automatically covered for accidental loss or damage wherever you are in the world, even when you are travelling, or your goods are in transit or in storage.

Extended Replacement Cost

This feature provides cover for the full cost to rebuild your home following a total loss.

Complimentary Home Appraisal

A Prestige policy provides a complimentary home appraisal once you have placed your policy, or if you move to a new location during the period of your insurance.

Jewellery

A Prestige Home and Contents policy provides you with sub limits of $25,000 per item, and up to $50,000 in total.

Repairer Option

Choice of repairer in the event of a covered loss.

FAQ's:

Do I need to notify the insurer if some of my household items are moved into storage?

If you decide to move your possessions into storage you should advise us.

What is the benefit of specifying items on my policy?

If you specify jewellery, fine art, or valuables on certain prestige home and contents policies an excess will not apply to these items in the event of a covered loss.

Will the policy cover me for identity fraud?

Yes under the Berkshire Hathaway contents policy you are covered for identity fraud. This means that if your identity is stolen by a stranger knowingly using your details for illicit purposes such as accessing your bank or credit card account and taking out a loan or refinancing a mortgage under your name, the policy will protect you from financial losses (up to a specified limit).

How can I calculate my Sums Insured?

If you are unsure how much you should insure your contents for, Steadfast have introduced a Contents Sum Insured calculator* to help you get a more accurate estimate. Simply click here.

If you are also unsure of how much you should insure your building for, a Building Sum Insured Calculator** has been created by Cordell to help you generate an accurate estimate. Simply click here.

Prestige Home
and Contents

If you own a high value home, your insurance requirements are slightly different. Standard house and contents insurance policies generally cover large-scale general damage to a property, but don’t provide for things like fine art or other expensive lifestyle assets.

Covered Features

Accidental Damage

Worldwide Cover

Extended Replacement Cost

Complimentary Home Appraisal

Jewellery

Repairer Option

FAQ's:

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