High Value Household and Period Property Insurance

High Value Household and Period Property InsuranceAs an owner of a high value or period home, it’s important that you have the right insurance in place for your property, contents and valuables. By choosing Wexford Insurances, you’ll have access to a director and or a designated account executive who’ll take the time to understand your individual requirements and arrange the right protection for you. We pride ourselves on offering a personal service to make sure you get the attention you deserve.

Wexford Insurances acts as broker for all the main insurance companies operating in the high net worth market and as such we are well placed to assess the needs of clients in this area. What’s more, our relationships with specialist insurers mean we can also provide a variety of enhanced benefits.

These can include:

  • Worldwide ‘all risk’ cover (most standard policies will only cover possessions inside the home against named perils such as fire, storm, theft, flood, etc.)
  • Specialist cover for collections of fine art, antiques and jewellery
  • Family annual travel insurance
  • Cover for holiday homes (Ireland and overseas) and investment property
  • Home office equipment
  • Employers’ liability for domestic staff (up to €15,000,000)
  • Public Liability (up to €10,000,000)
  • Outdoor items
  • Worldwide cover for money and credit cards
  • Cover for students’ possessions away from home
  • Legal expenses cover (up to €150,000)

Agreed Value Approach

One of our underwriters says ‘we try to settle a loss before it happens’. From day one you can be reassured that your possessions are covered to the agreed insured value without quibble. You may individually list all of your valuable possessions with a specific value for each piece. In the event of damage or a loss, you will receive payment for the exact amount listed for the item – with no deductions.

Specified Cover

Specified cover means you can agree on an insured value with us for individual valuable items. In the event of a loss, underwriters will pay you the exact specified amount. So if we agree to insure your necklace for €30,000 and it is lost/damaged beyond repair, insurers will pay you €30,000 – with no deductions.

Unspecified Cover

If you own a few pieces each worth less than €3,000, you can arrange for lump sum cover without having to list each item. In the event of a claim the maximum insurers will pay for any one item is €3,000.

Valuations Only Required For High Value Items

With many of our underwriters we do not require valuations for all your valuable possessions. We only ask for valuations if an item exceeds €30,000 for jewellery and €63,500 for fine art.

Replacement of a Pair o