Buildings Insurance
Working with a panel of specialist underwriters at world class insurers, our team have the expertise and commitment to make buying insurance an altogether more pleasurable experience. We'll create a specific policy for your home, based on a detailed risk management appraisal of the property.
High net worth individuals are rewarded by insurers for the care they take of their possessions - and in some cases we can help negotiate contributions from insurers to valuations and security installations:
The usual cover we provide is for “All Risks” including accidental damage. Unlike some policies, this will also encompass costs incurred through, for example, knocking through walls or floors to trace burst pipes.
Reinstatement value
Insurance can become a mass of confusing jargon that obscures what you'll actually need in a crisis. It's very important to get the right advice when assessing the reinstatement cost of your property (ie: how much it would cost to re-build), as under-insurance can lead to reduced claims settlements. Often we discover that larger properties are insured for their market value and not the reinstatement cost (a re-build following a fire, for example). This is particularly a problem with period and listed property, as the reinstatement value can be much higher. Click here for our blog 'What is reinstatement or rebuild value?'
It's important to work with a broker who will take time to assess your specific needs. And after a claim, you will want sympathy and efficiency, not more hassle.
Period, listed, thatched or unusual property?
Click the links for more information on:
Testimonial
“The few claims that I have had to make have been dealt with in a very prompt and professional manner - Thank you!”
Phil B, Private Client
Matthew Mullee
Director, Private Clients
matt.mullee@
laplayainsurance.com
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