If your home is a high value property, Lycetts can access a specialist buildings insurance policy on your behalf which will provide you with the most comprehensive cover available at a competitive premium. We understand that no two properties are alike and your account executive will choose the most appropriate insurer for your property, whether it be a town or country property, a new build or a historic listed building.

We also recognise the importance of trying to ensure that your current buildings sum insured is the estimated cost of re-building your house from scratch. Understandably, many people either guess the cost, base it on market value or take it from an inappropriate mortgage valuation. The result of these is that you may find yourself under insured in the event of a major flood or fire.

Many of the insurers on our panel will carry out a survey of your property at policy inception, which can help identify under-insurance. Lycetts also has close relationships with a number of specialist firms who can carry out a re-building survey on your behalf to establish what the current sum insured should be.

Factors that can affect the re-building calculation are:

Contemporary designs
Listed properties
Extensive outbuildings
Recent home improvements that may have been overlooked

If the property in question has had a buildings valuation carried out within the last 3 to 5 years select insurers will offer ‘Unlimited Extended Replacement Cover’ for the buildings. Whereby, the insurers agree to pay for the full value of a claim even if the claim value exceeds the coverage detailed on the policy.

Contents cover for the everyday and the extraordinary.

Here at Lycetts, we know there is nothing general about your contents!

The high value home contents insurance policies that we recommend from our select panel of insurers are designed to be flexible and comprehensive to take into account all your household goods, clothing and personal property. This includes furniture, carpets, curtains, televisions, computers and sound equipment.

Valuable items need the specialist protection afforded by our panel of insurers and we select the most appropriate house contents insurance for your needs.

Whether you are a collector of art, antiques, wine or stamps or just have accumulated contents over many years, Lycetts can provide specialist advice appropriate to your circumstances on a worldwide and all risks basis.

In addition, Lycetts has close relationships in place with a myriad of associated professions who will be able to assist you as required on the following:

• Contents valuers

• Security surveyors

• Safe experts

• Alarm companies

• Risk management

Read our guide for our top tips on how you can avoid underinsuring your home.

Avoiding underinsurance guide

Read our guide on how to protect your most precious possessions by reducing risk in and around your home.

Risk management advice for high value homeowners