Private Client Insurance

Private client insurance is specialist insurance for individuals, families and advisers responsible for high-value homes, possessions, vehicles, collections and other personal assets.

It is designed for clients whose requirements exceed the limits or structure of standard home insurance. This may include higher levels of cover, agreed value terms, worldwide protection for valuable items, specialist claims support and coordinated insurance across multiple residences or asset classes.

For high net worth clients, the value lies in ensuring cover reflects the true nature, value and complexity of the assets being protected.

High net worth home insurance is designed for properties, contents and personal assets that require a more specialist approach than standard household policies can provide.

This may include higher buildings and contents limits, agreed valuations, cover for fine art, jewellery, watches, antiques, collections, prestige vehicles, domestic staff, second homes and overseas possessions. It can also provide greater flexibility for period homes, listed buildings, bespoke interiors and properties with complex rebuild requirements.

The aim is to ensure the policy reflects the client’s actual exposure, rather than relying on standard assumptions or restrictive item limits.

Private client insurance can be structured around a wide range of personal assets, including primary residences, second homes, fine art, jewellery, watches, antiques, collections, prestige cars, specialist vehicles and other high-value items.

For clients with more complex arrangements, cover may also need to consider international assets, family trusts, estate structures, renovations, domestic employees, personal liability and the overlap between private and commercial interests.

Realty’s role is to help review the full picture so that cover is coordinated around the client’s life, assets and long-term plans.

Standard insurance policies often include inner limits, single item restrictions, valuation assumptions and exclusions that may not be suitable for high-value items or specialist collections.

Fine art, jewellery, watches, antiques, classic vehicles and other valuable items may need agreed value cover, professional valuation, worldwide protection, restoration expertise and claims handling by specialists who understand the asset type.

For clients with valuable items, the risk is not only underinsurance. It is also that the claim is handled without the necessary expertise, discretion or understanding of the item’s significance.

Private clients can expect a discreet, relationship-led service built around a detailed understanding of their assets, circumstances and priorities.

This may include an initial review of properties, contents, collections and existing cover, followed by risk assessment, valuation guidance, insurer engagement and regular reviews as assets or circumstances change.

Realty’s approach is to provide named contacts, clear advice and long-term support, rather than treating private client insurance as a one-off policy placement.

Realty represents clients throughout the claims process, liaising with insurers, loss adjusters, valuers, restorers and other specialists where required.

For high-value homes, fine art, jewellery, watches, collections or heritage features, claims often require careful handling to ensure agreed values, appropriate repair or restoration standards and a fair outcome.

The role of the broker is to act in the client’s interests throughout the process, providing advocacy, coordination and guidance at a time when discretion and responsiveness matter.