Homesitters
and insurance
companies
There is conclusive evidence that the risk of burglary is massively reduced if homes are left occupied when owners go away. Increasingly, insurers are encouraging homeowners to leave their homes in the hands of Homesitters.
Homesitters’ clients take better-than-average care of their properties. They plan ahead; they are prepared to spend substantial sums to protect their homes and possessions; and they are likely to make fewer claims.
In recognition of this, the following insurers will consider Homesitters’ service within their underwriting criteria. In addition, the majority will give premium reductions off household insurances to those policyholders who use our services - as indicated in their individual entries.
AIG Private Client Group
“AIG Private Client Group is a part of the global American International Group, Inc. (AIG) the world's largest and most successful insurance and financial services organisation, with operations in around 130 countries and jurisdictions and with shareholder equity of over $80 billion.
AIG Private Client Group clients are all individuals with significant assets to protect, whether these are located in the UK or abroad.
We provide insurance programmes that protect against the pain of underinsurance by accurately appraising all risks and assets and by designing a tailor-made, inclusive policy that reflects the client's needs. Risk assessments are carried out to identify areas of vulnerability, which would include unoccupancy of the property.
Automatic provision of 50% of the building sum insured towards contents cover minimises the risk of underinsurance, without additional cost. This makes AIG Private Client Group the ideal choice for the discerning customer who values quality, bespoke insurance cover and who understands the value of insuring possessions for their full value.”
Chubb Insurance
"A leading global insurance organisation with $30 billion in assets, Chubb consistently earns high ratings for its financial strength (indicating its claim paying ability).
A Chubb Masterpiece policy is available to Homesitters' clients whose homes have a rebuild value over £350,000. Masterpiece is acknowledged for providing the most comprehensive cover for fine homes, art, contents, cars and other valuables. Uniquely, it also offers cover for identity fraud, aggravated burglary and car jacking. To help customers avoid being under-insured and out-of-pocket, Chubb provides a complimentary home appraisal service. Chubb experts record a home's features and rebuild costs, to ensure that it is adequately insured.
In an ongoing survey of customers, more than 98% rate the claim service as excellent/good, and 97% were happy with their settlement amount. For the past four years, brokers have voted Chubb as providing the industry's best claim service.
To encourage use of Homesitters' services, we make a contribution towards the cost of using the service."
Hiscox Insurance
"Established in 1901 and now controlling over £1bn of premiums, Hiscox is the UK's leading specialist insurer of higher value homes. If your home contents are valued at over £50,000 you should consider getting a quote from us as we offer some of the broadest cover available at very competitive rates.
For example, all our policies include worldwide 'all risks' cover meaning your possessions are covered anywhere in the world including accidental damage and loss. In fact unless explicitly excluded, all claims are covered with Hiscox giving you peace of mind.
We can provide extensive cover for your home, contents, fine art collections, family travel, valuables, holiday homes, home business, legal expenses, and liabilities.
You can also pay for your premiums by interest free direct debit (a significant saving compared to some insurers). We believe that Homesitters offers a unique and professional service and are happy to recommend it to our clients."
NFU Mutual
“Established in 1910 and now with over 300 local offices throughout the UK, NFU Mutual is well placed to offer a more personal approach to insurance. Our agents and staff take time to get to know you, understand your needs and only then tailor advice and products to suit you.
You can rely on NFU Mutual's home insurance to offer quality, comprehensive cover and a friendly, efficient claims service. Special Reserve has been specifically designed with clients in mind who need £100,000+ cover for their home contents. This policy includes legal expenses insurance as standard and offers worldwide cover for contents and jewellery, plus the option to add annual travel insurance.
To policyholders who use Homesitters' service, NFU Mutual is pleased to offer a premium discount."
Norwich Union
"One of the UK's largest organisations specialising in insurance and investment, and currently writing in excess of £1bn of Household insurance. Their Tapestry household policy has been specially designed for the more affluent customer, realising that these customers require a bespoke insurance suited to their lifestyle. Tapestry offers worldwide cover on Contents, Fine Art and Personal Possessions. In addition the Fine Art section also includes depreciation of value following damage by an insured peril.
The policy also includes free monthly payments, GP helpline, Norwich Union Travel Assistance, trauma cover and much more. We also recognise the benefit of the Homesitters service and therefore reward our clients with a discount at renewal if this service is used."
Oak Underwriting
"The only specialist High Value Home insurer with 100% Lloyd's security, Oak Underwriting have unrivalled experience in providing bespoke solutions together with competitive premiums for this special market. They don't do anything else - they specialise in high value homes only and are not hampered by other market interests.
Oak provide worldwide all risks cover, including legal expenses, together with interest free credit, optional annual travel cover and full RAC including continental use.
Being strong believers in the Homesitters service, Oak support usage with a 5% discount off renewal premiums."
Royal & SunAlliance
"Royal & SunAlliance dates back to 1710 and has grown since to be one of the largest insurers in Europe and their thirst for innovative products and a first class service has not changed since.
Throughout their history, Royal & SunAlliance have met the insurance needs of individuals whose requirements don't meet the norm. Today the insurance needs of similarly eminent individuals are catered for through the Primechoice contract. Primechoice was launched in 1996 and recognises the need for a product and service that is second to none providing expertise, knowledge and understanding of the insurance needs of the high net worth individual. The cover provided is exceptionally broad and there are a range of additional covers which can be purchased to meet most requirements."
Sterling Insurance
"A specialist insurer, part of the Sterling Insurance Group. Sterling is a wholly owned British company with assets in excess of £235 million. Their high net worth product, Executive Home is available only through selected intermediaries. Sterling do not advertise to the general public and their success has been built upon recommendation from existing customers.
Their policy is also endorsed by the British Insurance Brokers Association (BIBA) to its members. The policy automatically includes Road Rescue Membership, which covers both domestic and European breakdown; Pet Insurance; Home Emergency cover and a free safety and security check by Sterling's own experienced Consultants.
To policyholders who use Homesitters' services, Sterling offers a 5% reduction in premium."
Zurich Private Clients
"Zurich Private Clients provides an extensive portfolio of products for High Net Worth individuals to meet their individual insurance requirements. Private Clients is a niche division within the global Financial Services Group, the fourth largest insurer in Europe with over 70,000 employees worldwide.
Zurich Private Clients provide bespoke insurance cover for individuals with property assets in excess of £750,000 or motor vehicle collections of £100,000 or more. Our clients benefit from being able to insure their main home, holiday homes (in the UK and in Europe), motor vehicles (including classics, prestige and super cars all with vehicle breakdown cover), caravan, motorcycle, yacht & motorboat and annual travel needs all under one policy. Another advantage is that our clients benefit from having one renewal date, with one interest free direct debit to cover all of their insurance needs.
We are delighted to endorse the services provided by Homesitters to our clients. With our individual underwriting approach we are pleased to apply a discount for our clients who use the Homesitters service."
