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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 PLDMP 04/14 – Chubb and 28th February 2014 - AIG, 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

  • Prestige Home and Contents Accidental Damage

    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.

  • Prestige Home and Contents Worldwide Cover

    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.

  • Prestige Home and Contents Extended Replacement Cost

    Extended Replacement Cost

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

  • Prestige Home and Contents Complimentary Home Appraisal

    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.

  • Prestige Home and Contents Cash Settlement Option

    Cash Settlement Option

    You have the option to take a cash payment on a covered loss rather than repairing or replacing the item, this is your preferred outcome.

  • Prestige Home and Contents Jewellery

    Jewellery

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

  • Prestige Home and Contents Repairer Option

    Repairer Option

    Choice of repairer in the event of a covered loss.

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