Private Client & High Value/Net Worth Home Insurance
Your home, lifestyle and personal assets are unique, so your insurance should be too.
Cascade Insurance specialises in arranging bespoke insurance cover for Private Clients and High Net Worth families, tailored to protect your most valuable assets. Whether it is your primary residence, second homes, property portfolios, contents, jewellery, watches, fine art and other valuables, we will work with you to arrange a policy tailored to your individual needs.
For you to have peace of mind that you are fully insured, your insurance broker should be regularly reviewing the insurance of your personal assets and asking you the questions Insurers need to know. We are not simply an insurance broker; we pride ourselves on providing bespoke advice, planning and ongoing support.
If you have been trusting the same broker for years, when was the last time you had a thorough review?
We would like to offer you a free review of your insurance portfolio, with no obligations.
Why a Personal Review of Your Insurance Matters
Our aim is to ensure your insurance policy will operate as it should do when you have a claim and that the premium you pay is competitive.
We often find new clients contact us, and, as part of an initial review, discover they are either underinsured, have gaps in their existing cover, or are overinsured for items they no longer own or values have changed.
Based on years of experience, we take time to ask you the vital questions Insurers need to know about your properties, possessions and lifestyle. We use our longstanding relationships with specialist Private Client Insurers and Underwriters to recommend insurance tailored for your specific needs.
- We have direct relationships with all our private clients – you will not be passed off to an associate or junior.
- We will undertake regular reviews of your properties and assets – ensuring there are no gaps in your cover and that premiums are competitive.
- Individually tailored insurance cover for properties, contents, high value item and high value/performance and classic vehicles.
Working closely with decision makers at insurance companies ensures our clients receive expert advice on every aspect of their insurance.
Insurance is a complex topic, and we will convey any nuances of your requirements so that potential insurers fully understand the extent of cover required.
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Do you need a High Net Worth/High Value Home Insurance Policy?
There is no straightforward answer to this, but here are the key factors to consider:
You should consider a specialist high net worth home policy if any of the following apply:
- The cost to rebuild your home is more than £750,000
- You have outbuildings where the rebuild cost is greater than £75,000
- You have contents over £75,000
- You have individual items of jewellery and watches worth more than £10,000 or more than £50,000 in total.
- You collect fine art, antiques, or other collectables.
- You have multiple properties or spend time living between homes.
If you’re unsure of the cost to rebuild your home, we can help you with advice on how to get to a figure that will ensure you are not underinsured.
Buildings Insurance
As well as the structure of the property, a Buildings Policy covers permanent fixtures and fittings such as sanitary ware, fitted kitchens and cupboards and the internal finishes of your home. It will also cover swimming pools, tennis courts and other domestic outbuildings.
People’s homes are as individual as they are, and High Net Worth Home Insurance policies can cover all types of homes, from modern Grand Design houses to thatched and listed properties.
What risks are covered as standard?
Policies do vary, but typically Private Clients policy provide cover on an All Risks basis. Some policies are on named perils basis with extended accidental damage. Named perils include
- Fire, explosion, lightning or earthquake
- Subsidence, heave or landslip
- Storm and flood
- Malicious damage
- Theft or attempted theft
- Water leaking from tanks or pipes
- Falling trees or branches
- Television, radio-signal or satellite apparatus breaking or collapsing
- Riot
- Impact by aircraft, other flying devices, or any vehicle or animal
All policies also cover the cost of you finding somewhere else to stay if you have to move out of your home while repairs covered by your insurance policy are carried out.
And if you have horses, we need to ensure that you have a policy that will enable them to be rehoused whilst your home is being repaired.
Home Contents Insurance
Contents insurance covers the cost to replace the belongings in your home if they are damaged, destroyed or stolen. Contents are the possessions you would normally take with you if you moved, such as furniture, appliances, soft furnishings, clothing, technology, and jewellery, but it also includes carpets and curtains, even though these are often sold with the house.
It is important to make sure that the Contents sum insured is adequate to replace all the items in your home, and for high net worth families, including clothing, handbags, and shoes, which are often overlooked.
For our Private Clients, we place significant importance on understanding:
- Adequate limits for jewellery, watches, fine art and antiques.
- Items regularly taken away from the home in the UK and worldwide.
- Appropriate treatment of pairs and sets, collections and rare items.
- Flexibility to add or remove items quickly as your collection changes.
Where needed, we can connect you with specialist valuers and restorers to help you establish accurate sums insured for artwork, antiques and other unique items.
Contents insurance is provided on a ‘new for old’ basis – replacing items with new equivalents, so your claim is not reduced due to age or wear and tear. We will explain the options and recommend the cover that best suits your situation.
What Contents Insurance covers
Your Contents insurance will cover the cost of repairing or replacing any of your possessions that are damaged or destroyed as a result of an insured event.
The basis of cover is typically the same as for buildings – All Risks and on rare occasions a named perils policy with extended accidental damage.
For items that cannot be replaced ‘as new’, such as antique items or unique pieces of art, the policy will typically provide for a financial settlement equivalent to what it would cost to buy those items or a similar item at a dealer.
It is similar for jewellery and watches, where again a claim will be settled on the basis of what it would cost to replace the item(s).
Having items of fine art, antique furniture, jewellery and watches regularly valued to make sure the sums insured are up to date and adequate is crucial to ensure you are properly covered, and claims are settled with the minimum of fuss.
Legal liability cover
Policies include important liability cover. Property owners’ liability automatically included with the buildings and contents policy also provides cover for occupiers’ liability and personal liability.
It is a legal requirement for businesses to have Employers’ Liability insurance to cover their staff for death, injury or illness arising from their employment; this is not required for standard homeowners. However, similar cover is provided under this policy for your liability as an employer in respect of people working for you in your home, in much the same way as it would apply if you were a business.
Great team, competitively priced and would have no hesitation in recommending them.
John was super helpful even thought he wasn’t able to assist us with our insurance. Many thanks
I recently contacted Cascade Insurance for some additional business insurance. Their response was not only swift, but the quotation I received was very competitive. Needless to say, they secured my business and I will be using them again in the future as my other insurances come due for renewal. Thank you Cascade. ATTENTION - I have just renewed using Cascade Insurance for a second year. Absolutely brilliant service and the quote was only £20 more than last year. Excellent service and I will stick with Cascade 🙂
Cascade has arranged insurance for my building property needs for several years, reviewing the available options that met my needs. The process has been efficient, the prices good, and renewals (even when conditions and available policies have changed) have been straightforward. I'd happily recommend their services.
The most helpful Professional team I have ever had the pleasure of dealing with.
I have used Cascade Insurance Services for a number of years, the main reason is that they provide the correct level of cover for my business, always happy to healp and get to your business to give you the right cover.
Without doubt the most knowledgeable and helpful insurance broker I have ever dealt with. Takes time to explain everything and really works for you. Brilliant experience
Since setting up my business in 2020, I've used Cascade for all business insurances I have. Very efficient service for reasonable market standard rates
In process of moving quite a bit of commercial and private policies over to Cascade. Very impressed thus far. Highly recommended!
Julie has been amazing with sorting out insurance.. She is extremely friendly and Making life a lot less stressful.
Always helpful. Friendly and professional service that I would definitely recommend to others.
A well deserved 5 star review for a professional service delivered by friendly & knowledgeable people. I absolutely recommend Cascade 100%. Many thanks. Sarah Rye Injection Development Garage Services, Hersden
We've been using John at Cascade for a good few year now, we couldn't be happier with their depth of knowledge and honesty. Always reading the small print to make sure we are properly covered. Thank you Cascade
Cascade have looked after my business insurance for many years now. With Julie, John and the team I know I am well looked after and that my insurance cover is just right for my business. They took time at the start to make sure all the little details were included. Would not hesitate to recommend them.
I had Julie sorting my public liability insurance for few years now, she is so professional and quick to remind me when the insurance is coming up for renewal. The insurance comes up to less then I paid for the first year when my income was much smaller then is now. Also it gives me peace of mind knowing that I am covered if things happen. I would strongly recommend Cascade Insurance to everybody who needs insurance.
Efficient, reliable, very capable. Great team to work with and one I've been very happy with so far.
Have used Cascade for a few years now, very pleased with the service and how they have proactively searched for value as well as negotiated with our existing insurer.
Outstanding customer service. They helped me find the correct insurance for my business requirements, and also provided assistance with a tricky claim, the outcome of which was successful. It makes life easy when it comes to renewals aswell, as they explain everything clearly and do all the hard work for you. If you want to ensure you have the right cover, use Cascade Insurance Services.
John Lawton at Cascade has been brilliant in responding to my urgent need for a non-standard house insurance policy. He has acted quickly, but also conscientiously - carefully sifting through alternatives to find the right policy that best matches my particular needs. A great service ! I have no hesitation in recommending Cascade.
Cascade Insurance are diamonds. They're always available whenever I have last minute needs and they have fantastic customer service. They answer the phone QUICKLY. On the one occasion they just weren't able to help me I had a call from a contact at an adjacent firm within a couple of hours. Fantastic service
Cascade are super helpful, always quick to answer our questions and help us get the cover we need
Cascade are by far the best insurance company I've dealt with for my business liability insurance. An extremely efficient and friendly service, ensuring that all my business requirements are correctly covered in every detail. All this, together with the best price, makes for a most stress free experience in obtaining the right insurance cover for my business. Having used them for a number of years now, I would highly recommend Cascade to anyone!
Great staff at Cascade. Very personal. They have gone above and beyond to assist us with a recent claim. Highly recommend.
Everyone cascade insurance are amazing, Thanks for their help for small business,
I have used Cascade for my insurance now for several years. Great people, competitively priced and efficient service. They always go the extra mile. Highly recommended.
Cascade have organised my business insurance since I started my company in 2023 and have always been excellent. As a video production company we had some complicated requirements but John and the team handled them well and made sure that not only did we have the correct insurance in place, but that it was explained in detail so we understood the policy.
DUCHY Care have used Cascade for business insurance for the last 3 years, I have found Julie at Cascade to be very helpful and personable, great experience in the care industry so thats a great benefit for us to get the right insurance for what Duchy Care does.
What a lovely team of people they have here. Nothing is to much effort. We have been dealing with Julie and Vicki mostly, and each year I enjoy our chats before all the hard work is done to secure us a reasonable renewal! They have been particularity efficient and supportive whilst we processed a claim, and I would have no hesitation recommending them. Great work guys!
I am really pleased with the service that Cascade Insurance provide. They are always responsive, helpful and very efficient.
Thank you very much to Cascade for their efficient and organised arranging of our multiple insurances - grateful for a swift and friendly service - Many thanks
I use Cascade for my personal and business insurances. John's knowledge and advice are exceptional - so you get the right policy at the right price. Excellent and highly recommended.
Great people , I have used Cascade for more than 5 years now , they always trying to give me the best deal !
I can highly recommend Julie for PI and other Insurance and high service standards.
Amazing service. Julie was incredibly knowledgeable and made the entire process efficient and easy and saved me money on my renewal quote. Many thanks
The service we have received from John and Vicki at Cascades is amazing. I wish I could give more than 5 stars. They go above and beyond to help with every aspect of the insurance process from quotes right through to helping with a claim. By far the best around.
My experience with cascade has been excellent and the insurance and staff were wonderful,just what l needed thanks
Cascade organised my site insurance for a building project, John's knowledge was excellent making the process smooth. Cascade are highly recommended.
Cascade arranged the insurance for Channel Radio and not only understood the needs of the business but went the extra mile to give us confidence that our insurance is properly arranged – Fantastic!
I have had the pleasure of dealing with Julie, John, Vicki and the Cascade Team since I started my business in 2021. I have always found them to be extremely friendly and professional. They are always very prompt at sending new Insurance documents through once agreed and discussing my business insurance needs to ensure I have the right cover. I have no hesitation in recommending Cascade Insurance Services. Thank you Leigh
Always a very positive experience, i get a reminder when my insurance is due and it is hassle free to renew . I would recommend for your professional insurance needs
Thank you for sorting out our business insurance so efficiently. It was a job we'd been putting off for some time - but you made it simple and stress-free. Thank you for all your help.
Cascade deal with all my company and personal insurance, they are efficient and really pay attention to detail and competitively priced. would have no hesitation in recommending them to anyone.
I have worked with Julie and Cascade Insurance for over a year now and having worked with other brokers in the past I can say cascade has been the best. Julie quick grasped my business and asked me questions other brokers hadn’t. This meant that we found several areas for improvement. The main reason I have found for working with a broker is to have someone who can answer questions about policies (and find good coverage) but over the last year as odd questions have come up cascade have been able to give almost instant replies even when there have been unusual circumstances. I would certainly recommend cascade insurance to other people.
John is very knowledgeable and professional when it comes to arranging business insurance. Great to know I now have the right cover in place. I can definitely recommend Cascade for you all your insurance needs.
Everyone at Cascade Insurance are amazing. It really isn't easy to get fleet insurance for a charity especially with a few claims on the vehicles! The team worked really hard to get us the best possible deal, gave great advice and managed to save us some money, always handy! We have used there service for a few years now and will continue to do so. I highly recommend their services.
Other Benefits
Home insurance policies for High Net Worth families will include a range of other benefits. Commonly found ones are:
- Family Legal Expenses – This covers legal costs for a range of legal issues such as contract and property disputes, but may also extend to cover inheritance disputes and education admission appeals with some Insurers.
- Lifestyle Cover - Property alteration costs, assault benefit, psychiatric services, medical expenses, sponsorship losses and hole-in-one cover for golfers.
- Home Emergency – Covering a modest amount for call-outs and parts for plumbers, electricians and other trades to deal with a domestic emergency.
- Cyber Insurance - Online liability, systems damage and cyber crime.
Not only are we dedicated to getting you the best insurance policy, but we are also passionate about the degree of customer service we give. We understand the level of service required to deliver a first-class result and are happy to work with the most demanding of insurance requirements to provide robust solutions.
If you’d like a confidential review of your existing arrangements, or you’re unsure whether your current policy is still fit for purpose, we’d be pleased to offer a free comprehensive review.
