I
magine theworsthappenedand there
wasafireorf lood in your home.Would
your in surance coverreplace your most
treasuredpossessions?It’seasyto
assume standa rd contents insurance
woulddothe job, but an off-the- shelf
policy maynot provide adequate protection.
Didyou know that 27%ofhigh net
worth indi viduals surveyed by NFUMutual
were actually on astandardhomeinsurance
policy,yet hadhouseholdcontentsworth
£150,000 or more,inclu dingantiques
requirin gspecialistinsurance?
We allwanttos avemoney,but
beingunderinsuredcould
proveafalse economy. If you
have alarger, higher-value
homewith designer interiors
andthe latest technology,ora
collection of fine artor
jewellery, youcould fi nd a
generic insurance poli cy
isn’tenough.
Without specialistadvice, it’s easy to
underestimatethe co st of replacingvaluables
or dismiss items, such as soft furnishings,
garden toolsors portsequipme nt tucked away
in outbuildings,asn ot worth insuring.But just
conside rhow much it mightbeworth.
High valuehomeinsurance policies can
offer youaccesstos pecialistsuppliers whocan
help with valuingcontentsand property,as
well as sourcin gdifficult-t o-fi nd replacement
itemsorc arrying outcomplex repairsthat
somestandardhomeinsurersmay not be
equi pped to resolve.
“Whetheryourcollectionincludes art
inheritedovergener ations orcontemporary
works, in ourexperience valuations rarely stay
Broughttoy ou bythesame,”saysHarvey Cammell, global
direc tor: valuations,trusts&estates at
Bonhams,which provides valuation servic es
to NFUMutualBespoke home insurance
customers.“An up-t o-date insurance valuation
can provide someexcitingsurprises andensure
youare abreastoft he latest movesint he
artmarket.”
Andit’snot just contents to consider. What
if your home needed rebuildin gtoo?It’sall too
easy to underestimate thecosts involved.If
you’re unsure,you could need asurveyo r’s
advice. That’s becauseif, in theevent of aclaim
andyourpropertyisu nderinsured, youcould
face significant financ ialand
reconstructionchallenges.
“Factors likeBrexithave
potentialtoi mpact; cost of
materials mayincrease,
labour is very likelyto
incr ease –all these things
affectthe ability to getyour
propertybacktohow it was,”
explains Nick Wilmot,NFU Mutual Bespoke’s
insurance product specialist.
That’s wherehomeinsurance can help.
NFUMutualBespoke homeinsurance is a
specialistproduct designe dfor hi gh value
homesand theircontents. It offers many
specialistfeature sass tandard, plus the
flexibility to addor extend protection to
meet your individualneeds.
NFUMutualdraws on over 100years’
experienceofp rovidingcustomers wi th the
outstandingproductsand firs t-classserviceits
reputation is builton.
NFUMutualdoesn’t rely on online
channels, insteadtakingthe time to talk things
through with customersoverthe phoneorpp p , g
coverright downto thefinestdetail.
With loca lknowledge,backedbyan
extensiveteamofexperiencedunderwriters,
claims handlers andspecialist su ppliers,
NFUMutualagencies work hard to bring
an insurance solution tailored to your
indi vidualneeds.NFUMutualhasover 300officesacross the
UK–tofindout moreaboutBespokehome
insuranceandtofindyourlocal agency,head
onlinetonfumutual.co.uk/bespoke.ADVERTISEMENTFEATUREDoesyour
home insurance
provideyou with
enough cover?
NFUMutualofferstailor ed homeinsurance
coverrightdowntothe finest detail
An up-to-da te insurance
valuation can provide
someexcitingsurprises
andensureyou’re
adequately coveredinthe
eventofaclaimThe Nation al Farmers UnionMutualInsurance Society Limi ted
(No111982).RegisteredinEngland. Registeredoffice: Tiddington Road,
Stratfor duponAvon, Warwickshire CV37 7BJ.