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. This is what they say about themselves:
AIG Private Client Group
“AIG Private Client Group is a member company of AIU Holdings one of the world’s leading insurance organisations with operations in over 130 countries and jurisdictions.
We offer insurance to individuals with significant assets to protect, wherever the assets are located. Whether it’s fine art, jewellery, antiques or the homes they’re kept in, cars, yachts or planes our high net worth products are individually tailored. Our home buildings insurance, for example, automatically covers general contents for up to 50% of the building sum insured (on building sums insured below £5million) to minimise the risk of underinsurance.
And we’re committed to providing the finest claims service in the industry; our Concierge Level Claims Service treats each claim individually, recognising that a unique solution is potentially required. That’s why clients who have responded to our claims satisfaction surveys have overwhelmingly rated our service as “excellent”.
Our global reach, our products and claims service are three positive reasons for discerning customers to choose AIG Private Client Group to take care of their insurance needs.”
Chubb Insurance
"A leading global insurance organisation, Chubb consistently earns high ratings for its financial strength (indicating its claim paying ability). The Chubb Masterpiece policy is acknowledged for providing the most comprehensive cover for fine homes, art, contents, cars and other valuables. 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."
www.chubb.com/international/uk
Home & Legacy
“Established in 1995 and acquired by Allianz (UK) Group in 2006, Home & Legacy are specialists in mid and high net worth insurance offering high quality home and contents policies underwritten by a choice of six of the UK’s leading insurers at exclusively negotiated rates.
Home & Legacy offer a high level of cover that you won’t get from a standard insurance policy. Our range of household policies provide greater choice, offering comprehensive buildings, contents, fine art and personal possessions cover, including some unique policy features. In addition to our household products, Home & Legacy also offer landlord let property insurance on a stand alone basis.
Our personal and completely confidential service gives you access to our experienced account handlers. You will be able to discuss your requirements in complete confidentiality and arrange a flexible, tailor-made solution to meet your needs.
Home & Legacy has many years of experience in helping our clients protect their homes and possessions and, from experience, know that even when a property is left unoccupied for just a few days, there is an increased risk of burglary and water damage from leaks that have gone unattended. We support Homesitters services which can act as a reliable source of home care while clients are away from their homes.”
Hiscox Insurance
“Established in 1901 and now controlling over £1bn of premiums, Hiscox is one of the UK's leading specialist insurers of higher value homes. If your home contents are valued at over £60,000 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.
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. Home and Lifestyle 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.”
Aviva
“Their Distinct policies have been specially designed for the more discerning affluent customer, realising that these customers require a bespoke insurance solution, suited to their lifestyle. With Aviva Distinct policies clients benefit from much more than just leading cover. From exclusive discounts to free services, these policies come complete with a comprehensive range of additional benefits, including free Identity Theft cover, GP Helpline, Legal and Tax Helpline, Travel Assistant Service and Home security visit. Discounted independent valuation services for both Buildings & Contents are also available.
The service provided by Homesitters is also recognised as a benefit and therefore we reward our clients with a discount at renewal if this service is used.”
Oak Underwriting
“Oak Underwriting plc specialises in high net worth insurance solely dedicated to high value homes, fine art, antiques, collections, silver and jewellery. The management and staff have many years experience in the high net worth market and have developed a rare combination of tailor-made policies, experienced underwriting, quality service and world-wide protection.
Oak Underwriting plc provides a tailor-made policy that covers virtually every eventuality for your home, its contents, your personal possessions and valuable collections. The policy is a blend of quality of cover and service, including a number of key features and benefits specially designed for the High Net Worth client. In addition to the household policy Oak are able to insure the client’s family motor fleet, annual travel and RAC motor breakdown with the option to pay by 0% interest free monthly instalments.
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, which is only available through insurance brokers.
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
“Sterling Insurance Company Limited is one of the UK’s leading high net worth insurers and has covered high value homes for over 50 years. We have gained an enviable reputation for service, quality and prompt claims settlement, having a long track record of success in the insurance industry.
Growth in people’s personal wealth has increased substantially in recent years and, combined with their busy lifestyles, has shown that the larger and more complex an individual’s requirements, the greater is the need for a tailored insurance solution. Our Executive Home and Executive Plus policies provide this solution, giving a complete range of covers that you would expect to find – and even more, like a personal claims concierge service that will assist you in dealing with all eventualities throughout the entire claim.
As a specialist insurer, dealing solely through insurance professionals, our Executive Home and Executive Plus policies are recommended by the British Insurance Brokers’ Association (BIBA) to its members.
Sterling policyholders who use Homesitters services receive a 5% discount off their renewal premium.”
www.sterlinginsurancegroup.com
Zurich Private Clients
“A part of Zurich Financial Services, one of the largest insurers in the world with over 70,000 employees, Zurich Private Clients specialises in providing the High Net Worth and Ultra High Net Worth individuals with all of their insurance needs.
All under a single policy with one renewal date, we can offer bespoke cover for your home, holiday home, motor, boat and travel needs.
To make sure you get the best possible service and cover, our Ultimate policy includes a complimentary visit from one of our client managers. This client manager will visit your property to help you take care of your property and determine your insurance needs.
Also, our Ultimate policy is the only policy to include a concierge service, which can help you on anything from home improvement advice and event management to making business or leisure travel arrangements.
All of our home policies already include world wide cover for all valuables and contents and in addition to that we also offer a comprehensive travel policy that can include winter and hazardous sports.
Here at Zurich Private Clients we highly endorse the services provided by Homesitters and with our individual based underwriting approach, we will happily apply a discount to clients who use this service.”
