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Finer high value home insurance
Our home insurance offers:
- The flexibility of choosing your excess and chance to reduce your premium even further by choosing a higher than standard excess.
- A tailor-made solution for your insurance needs and requirement.
- A claims helpline available 24 hours a day, 365 days a year, with specialists to personally see your claim through to completion.
- Claims settlement on a new for old basis.
- Warranty-free worldwide cover.
- Helplines to assist you with every day issues such as home security, legal and tax and travel assist.
If you require over £500,000 buildings cover or £50,000 contents cover, or £25,000 worth of valuables, Finer Home Insurance is for you. Call 0800 051 5132 for a tailored quote.
| Buildings cover (minimum £200,000) | No upper limit |
| Contents cover (minimum £50,000) | No upper limit |
| Claims settlement | New for old |
| Valuables cover | Tailored underwriting |
| Valuables single article limit | £5,000 personal belongings, £15,000 fine arts and antiques. Items can be specified over these amounts. |
| Liability to the public/personal | £5,000,000 |
| Legal expenses | £50,000 (£100,000 optional) |
| Visitors effects | £5,000 per visitor |
| Alternative accomodation (buildings) | 20% of BSI |
| Alternative accomodation (contents) | 20% of BSI |
| Damage to services | Up to sum insured |
| Fixed glass and sinitary fittings | Up to sum insured |
| Tracing and accessing leaks | £10,000 |
| Unoccupancy period | 60 days (can be increased to 90) |
| Theft of contents from garage or outbuildings | Up to CSI |
| Contents temporarily removed | Up to CSI |
| Personal money in the home | £2,500 (£5,000 in locked safe) |
| Contents in the garden | £10,000 (can be increased) |
| Stolen keys/replacement locks | Unlimited |
| Food in freezers | Unlimited |
| Loss of heating fuel/metered water | Unlimited |
| Wedding/christmas increase | 10% of CSI |
| Tenants liability | 20% of CSI |
| Title deeds | £10,000 |
| Accidental damage cover (buildings) | Included |
| Accidental damage cover (contents) | Included |
| Cover away from home | World-wide cover, warranty free |
| Home emergency | Included |
| Pairs, Sets and Suites | Up to sum insured |
| Sports package | No |
| Pedal cycles | Included |
| Working from home | Included |
| Home-working equipment | £15,000 (business stock - £1,500) |
Optional extras also available (at additional cost and subject to underwriting acceptance):
- Travel cover (inc and exc winter sports)
- Caravan cover
- Small craft cover
- Holiday homes (UK and mainland France, Spain or Portugal).
