Private Clients

Home and contents

With over 40 years’ high net worth experience, Chubb is widely regarded as a world leader in delivering carefully crafted insurance cover for fine homes and high value contents.

Our longstanding experience and expertise has resulted in pioneering cover, crafted out of an understanding beyond traditional risks.

Whether you own a single home or multiple properties around the world, we can cover anything from a Georgian rectory to a city penthouse, through our market-leading Masterpiece proposition.

This popular and dynamic policy is designed to protect you during times of loss, with unique cover and exceptional service that sets us apart from our competitors. Our customer satisfaction scores consistently exceed 95% positive feedback.

Our own team of expert risk consultants provides a unique in-house appraisal service to establish the rebuild cost of your property, and provide guidance on the sums insured needed for contents and valuable possessions, to deliver true peace of mind. And unlike many insurers, we don't impose restrictive conditions or warranties.

What does it cover?

  • All of your homes, UK and abroad are covered on the same policy as your main residence.
  • With our agreed value approach for valuables and cars, the result is accuracy and a speedy claims payment.
  • Following a Chubb appraisal, we will agree on the buildings and contents sum insured, including automatic cover for gardens and outbuildings.
  • For most homes, we guarantee that, whatever the cost, we will rebuild your home exactly as it was. In effect, giving you unlimited cover.

  • We let you choose the craftsmen for any repairs and refurbishments.
  • We also agree the contents sum insured. Then, for most homes, if this sum is insufficient to replace the contents, we will automatically increase it by up
to 25% without charging you more.
In addition, you can also expect:
  • Your possessions covered worldwide for ‘all risks’ - not just limited ‘perils’

    with accidental damage and new-for-old cover, including clothes, as standard.
  • Full cover when you’re travelling – eliminating the need for personal effects insurance. 
  • Specialist cover for jewellery, art, antiques, guns, wine and valuables. 
  • Agreed value for specified items – with no excess for any loss under our Masterpiece and Signature products, so you know exactly what you’ll be paid.
  • Compensation for any loss of value following a damage claim.
  • Special cover for pairs, sets and new purchases.
  • No valuation needed for jewellery under £50,000 and art under £100,000.
  • Worldwide public liability from £2 million to £10 million, legal expenses from £100,000 to £500,000, identity fraud, home emergency and annual travel cover.

5 key benefits of Masterpiece

1) Your choice of contractors
We encourage you to choose your contractors and craftsmen. Often insurers insist that you use their recommended third party contractors. This is cheaper for them, but specialist repair can be paramount to the future market value of your property and the overall integrity of the building.

2) Unique home and contents appraisal service
Unlike most insurers, we don't make under-insurance your problem by leaving you to guess the amount of cover you need. We have our own team of in-house expert risk consultants who provide a free service to establish the rebuild cost of your property and offer guidance on appropriate sums insured for contents, and in some instances fine art, jewellery and other valuable collections.

“The appraiser gave good advice – I changed some things on the alarm system and the hinge locks on my doors. She was really involved, and I got as much out of it as she did.” Mr Brunt – client

> Read more testimonials

> Find out more about our appraisal service

3) No restrictive conditions or ‘warranties’
Many insurers' small print can restrict your lifestyle. Chubb doesn't do this. We rely on your natural concern to care for your possessions. For example, we don't insist you set your alarm every time you leave the house for a short period of time.

4) We settle on a ‘new for old’ basis
When replacing your contents, Chubb pays you what it costs to replace the item today, up to the agreed level of your sums insured. So all your possessions, from sports equipment to clothing and valuable antiques, are covered, without deduction or depreciation.

5) All homes on one policy
Whether you own a country house and a city apartment or an extensive worldwide property portfolio, you can enjoy exceptional cover on the same policy as your main residence.

CASE STUDY

An example of a Chubb home appraisal

A client wished to insure two London properties: his main home – a six bedroom house in its own grounds – and a mews house that he rents out.
> Read more...

Get in touch

Our policies are available through brokers

For more information or to find your nearest specialist broker, please contact us at enquiries-uk@chubb.com or call 0800 018 8950.

Our policies are available through brokers

Download

Aggravated burglary: advice and tips
Aggravated burglary: advice and tips
Property renovations fact sheet
Property renovations fact sheet
Masterpiece home and contents brochure
Masterpiece home and contents brochure
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Three pillars of service excellence: a special high net worth report from Chubb
The insurance industry is only as good as the service it provides. Of course, excellent service means different things to different people. In this research, we explore what it means for today’s high net worth individuals.