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Home and ContentsWhether you own a single home, multiple homes around the world, or a listed building - a Masterpiece policy is designed to help protect you from unpleasant surprises at the time of a loss, with cover and service that are not readily available from most other insurance companies. Highlights include:
Avoid under insurance through our appraisal serviceUnlike 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 expert appraisers who provide a free service to establish the rebuild cost of your property. To learn more, visit Appraisal Service.
Full cost of damage and rebuild is coveredOnce your home is appraised, we can offer our "Extended Replacement Cost guarantee". Chubb will rebuild your damaged home exactly as it was before - even if it costs more than we originally agreed in the policy. And to maintain your standard of living, if a property is being rebuilt, we will pay for you to stay in a comparable property for up to two years.We cannot give unlimited cover for some extraordinary listed buildings, but we will agree an appropriate value with you and pay up to the building's agreed maximum sum insured.
Your choice of contractorsWe allow you to choose your contractors and craftsmen. Most insurers insist that you use their contractors. This is cheaper for them, but specialist repair can be paramount to the future market value of your property.
"All risks" worldwide cover, including accidental loss and damageOur broad cover means all your possessions are automatically covered wherever you are in the world for accidental loss and damage, including breakage - even when travelling or in storage.
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, there are no occupancy or alarm clauses. For example, unlike other insurers, we don't insist you set your alarm every time you leave the house for just 5 minutes. And we do not insist that you place your jewellery in a hotel safe.
We settle with cash on a "new for old" basis up to the maximum sums insured, even for clothingWhen 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 valuable antiques, are covered, without deduction or depreciation - even clothing.
Cash settlement optionYou can choose to receive cash, up to the policy limit, if you decide not to rebuild your home or replace your possessions in the event of a total covered loss.
All homes on one policyAll your homes can enjoy the same exceptional cover on the same policy as your main residence. And Chubb has no restrictive conditions or occupancy clauses that many other insurers apply.Identity fraud and kidnap & ransom cover includedChubb is unique in providing expenses (up to €10,000) to help you restore your good name and credit status if you are a victim of identity fraud – the UK’s fastest growing white collar crime. We also provide up to €10,000 for kidnap & ransom expenses, plus a further €10,000 for information leading to a conviction.Range of unique liability covers includedFor example, worldwide legal liability cover for you and your family – including up to €13 million for libel, slander and defamation. And automatic cover for you and your family when you hire or borrow vehicles in the U.S./Canada.
For full details, please contact us at your nearest Chubb branch. |
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