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Masterpiece® is Chubb’s prestige home and contents insurance offering for people with significant assets to insure who appreciate a premium level of cover and service that is customisable to their needs.
Chubb's cover options for your leisure travel.
Chubb leverages superior underwriting expertise and world renowned claims, accounts services, and financial strength to offer solutions for small and medium businesses.
Backed by our product breadth, financial strength and global network, we offer customised cover for your varied needs so that you can focus on growing your business.
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Chubb Leisure Travel Insurance can help you and your family enjoy your time overseas, knowing that should an incident happen you are Chubb-insured and there is assistance at hand.
Masterpiece Home Appraisal Service
What to expect during a Masterpiece Home Appraisal visit
Benefits of a Masterpiece Home Appraisal visit
During a home appraisal inspection, you will experience our team’s expertise in risk mitigation and receive a comprehensive risk assessment. We provide accurate sums insured, which helps to:
a) offer the most appropriate financial settlement should you need to make a claim; and
b) settle your claims quickly and fairly.
As a result of the home appraisal service, we can provide “Extended Replacement Cost” cover for your home. This means that we would pay the full amount to rebuild your home, whatever the cost,so you can restore your home’s features with like-for-like quality and materials.
How does a Masterpiece Home Appraisal work?
When you purchase a Chubb Masterpiece policy, you may be eligible for a personal home appraisal free of charge. The nature of the appraisal, whether it is an external assessment or a full home appraisal, will depend on the sum insured and location of the property.
Each Risk Consultant has the expertise required to assess the architectural features unique to your home both inside and out. They estimate the replacement value of all features and take into account rarity of materials, unique design features and the need for skilled craftsmanship.
The in-depth process typically takes around an hour, but may extend to a few hours for larger properties. Afterwards, you will receive an appraisal report that may include photographs of key features.
What type of advice will you recieve?
Home Safes:
- Use a cash-rated safe that meets the required standards.
- The safe should have a minimum cash rating equal to 10% of your jewellery's.
Internal Water Damage
- Know where your water meter is located.
- Turn off the water when you're away and regularly inspect and replace flexi-hoses.
Fine Art
- Store or display artwork away from sunlight, heat, water, or impact.
- Take precautions to protect artwork from potential damage.
External Water Damage
- Regularly clean roof gutters and surface drains.
- Trim tree branches that hang over the roof and have the roof professionally
Fire Protection
- Ensure smoke alarms are correctly installed and positioned.
- Connect smoke alarms to a monitored security alarm and keep a domestic fire extinguisher and fire blanket accessible.
Meet your dedicated risk consultants
Frequently Asked Questions
No. This is an insurance replacement cost valuation only. A replacement cost valuation is based on the cost to rebuild your home with similar quality materials and craftsmanship to that which existed before the loss. It takes no account of land value (it is not an appraisal to obtain the market value). Market value, on the other hand, is essentially the sale price of a property. This includes the value of the land, the house and any other site improvements. Factors that can influence market value include location, views, proximity to schools, shops and transportation, and the condition and style of a house.
Preferably someone living at the home should be present to assist with answering some personalised questions, however this can be done via a follow up phone call post the visit if you are unable to attend on the day.
In order for Extended Replacement Cost to be provided it is a requirement of the policy to accept any Building Sum Insured adjustment following the appraisal and a pro rata extra and/or return premium may be generated depending on the amount of sum insured change.
After the inspection, a comprehensive report will be sent to you via your insurance broker or intermediary. The report will provide a detailed summary of your home including the estimated replacement cost and any loss prevention advice.
The entire process is handled by Chubb and your insurance broker or intermediary to ensure that your information is handled in a discreet manner.
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