High Value Home Insurance – Home Insurance By Design

All too often we come across situations where clients have been under-insured or not got the correct cover in place.

Our solution is to offer a tailor-made approach – Insurance Cover By Design.

Once we understand your requirements, we will make our recommendations and offer advice to ensure you have the cover you need and deserve.

As our personal wealth increased, we tend to own larger houses and acquire possessions with higher values that don’t fall within the limits of standard home insurance policies.

Most people we talk to have little understanding of how valuable their standard household contents are – let alone expensive items of jewellery, watches, antiques or pieces of art that have been acquired over the years. Take into consideration the changes in valuation and it becomes very easy to be under-insured.

Fine Art & Antiques
Insuring fine art and antiques is a specialist area that many insurance brokers are unable to assist with. At FOCUS, we specialise in arranging worldwide ‘all risks’ cover.

Policies typically include:

  • ‘all risks’ worldwide cover, including accidental loss and damage.
  • A no quibble agreed value approach, guaranteeing you the exact amount listed for an item in the event of damage or a loss. Specified cover for individual items guaranteeing you the exact amount specified in the event of loss.
  • Cash or replacement option allowing you to replace an item with something similar from your own supplier, or keep the full cash settlement.

Our Private Client Home Insurance By Design service is tailor made to suit each individual client’s needs and enables us to meet the specialist and sometimes complex requirements that come with being a high value property owner.

To find out more, contact us.


I just wanted to say a big thank you to Roz for your efficiency in dealing with our recent home insurance claim. I can only assume that your processes and relationship with the insurance company are excellent – we were so impressed with the speed and ease in which the claim was settled. I would […]