Hart Owens Group Plc

real people, real partnerships

VIP Homes

Unless you live in an average home, average home cover won’t work. To our clients with much more to protect, we offer a choice of top class home insurance cover, specially designed to protect your valued possessions and deliver more than your standard policy. You’ll get all the protection you need for artworks, jewellery, cars and your property plus unbeatable legal liability and options for travel insurance too.

There is one insurer that stands head and shoulders above all others in the cover available for what they term “High Net Worth Insured”. Examples of the additional covers they provide are detailed below:

• Agreed value for homes, valuables and cars, that make average a thing of the past
• Worldwide All Risks cover as standard
• Complimentary appraisal of home and valuables by specialists
• All possessions covered on a worldwide basis
• No restrictive conditions – if your alarm fails you do not have to wait in for the alarm company to repair
• No claims form to complete
• The insurer awarded the best claims service accolade in the industry
• Ability to include second homes in UK and Abroad
• Adaptation cost of home following disability
• Students possessions covered whilst at University
• Cover for relatives in residential homes
• Single item limit on unspecified valuables £ 5,000
• No restrictive safe conditions
• £ 100,000 legal expenses
• Physical trauma following Carjacking, Aggravated burglary, Road Rage, Air Rage, Stalking cover is provided as standard subject to agreed limits.
• Worldwide legal liability, Identity fraud, Kidnap expenses and Golfers cover
• In the USA cover on hired and borrowed cars that obviates the need to purchase the collision damage and third party liability insurance from the rental company.