HomeCare
Executive HomeCare Summary and Guide
Please note that this is a brief summary of the cover provided and does not constitute any evidence of insurance. A copy of the policy is available on request.
Executive Home Protection
Tailor made cover for high value homes
A policy free from Warranties and Average Conditions which provides quality Cover for the Buildings of your home and your Contents, Fine Art and Antiques, Jewellery and Watches.
Executive Home Protection
Read more by visiting the links below :
Contents
- Covered on a Worldwide All Risks basis
- Unlimited cover provided for TV's, video recorders, audio and computing equipment
- Unlimited cover for the contents of deep freezers
- Business Equipment automatically covered up to £15,000
- Outdoor items covered up to £10,000
- Student Possessions covered whilst at University or College up to £7,500
- Occupiers' and personal liability cover up to £5,000,000
- Christmas, Wedding and other Gifts up to £10,000
- Unlimited cover for Replacement Locks and Keys
- Alternative accommodation up to 20% of the sum insured
- Reinstatement of Data, Deeds and Documents up to £5,000
- Fatal injury £25,000
- Loss of Metered Water and Heating Oil up to £5,000
- Temporary removal up to 15% of the sum insured
- Damage caused by pets up to £2,500
- Personal Money up to £2,500 and credit cards up tp £25,000
Fine Art and Antiques, Jewellery and Watches
- Covered on a Worldwide All Risks basis
- New purchases of Fine Art and Antiques automatically covered up to 20% of the sum insured
- Automatic cover for increased value of paintings following death of the artist
- Depreciation in value following partial loss or damage
- Single articles of fine art and antiques are covered up to £15,000 and up to £5,000 in respect of jewellery or watches (unless specified)
Buildings
- Sum insured based (rebuilding cost)
- Index linked
- All Risks cover is provided automatically
- Alternative accommodation/loss of rent receivable up to 20% of the sum insured
- Property Owners liability - £5,000,000
- Architects and Surveyors fees and other costs - Included
- Damage caused by pets up to £1,000
- Reinstatement of landscaped gardens up to 5% of the sum insured (maximum £25,000)
- Cost of tracing water or oil leaks up to £10,000
Unique benefits available to the policyholder
- Road Rescue - a comprehensive motoring breakdown and recovery service throughout UK and Europe
- Pet Insurance - cover for vet's fees, theft and straying, and provides a sum in the event of death for up to 3 pets (dogs and cats only)
- Home Emergency Cover - Covers call out costs, parts materials and labour up to £500 for various Home Emergencies
- Yellowtag – a unique and innovative tagging system that will identify your personal property if lost
- Assistance with the cost of valuations
- Free advice from our experienced Risk Management Surveyors on how to protect the home and its contents from damage
- Family Legal Protection - £100,000 cover for costs and expenses relating to legal proceedings within the UK
Optional Cover
- Pleasure craft
- Travel
- Second Homes
- Overseas Homes
Demands and Needs
Morton Michel does not make recommendations or provide advice. The Executive HomeCare policy has been designed to meet the demands and needs of home owners of high value homes but you will need to make your own choice as to how you wish to proceed.
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