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At Tower Private Clients, we arrange insurance for high net worth individuals

If your home and possessions are particularly valuable, it’s likely you will need specialist cover. Our experts will guide you through the process, giving advice on what cover you’ll need and helping you avoid under-insurance.

As an experienced High Net Worth broker, backed with claims and risk management support, we work with several specialist insurers to tailor a high value insurance policy which covers your home, contents, jewellery and fine art. We ensure the right cover is in place when you need it, while never forgetting the importance of good value.

A high value home insurance policy with Tower Private Clients can include:
  • Enhanced alternative accommodation cover if your home can’t be lived in due to an insured event.
  • Enhanced levels of trace and access cover so if you have a leak, the investigation costs will be covered as well as the ensuing damage.
  • Appropriate cover for historic and/or listed Buildings
  • Cover for collections of high value jewellery, watches, wine, fine art, antiques, guns and many other types of valuables.
  • Pairs & Sets cover. If you damage an item that’s part of a pair or set and a replacement can’t be found, the entire set will be replaced or compensated for.
  • Automatic cover for new purchases. If you treat yourself to something new, it will be automatically covered for up to 60 days before you need let us know (subject to a maximum value, dependent on insurer).
  • Access to high net worth insurers and independent surveyors who’ll be able to validate your current building sum insured, jewellery and other valuables.
What you can expect from our Private Clients team:

You get a senior, dedicated insurance professional to work with you. As part of the service, they’ll:

  • Get to know you personally and understand your priorities
  • Advise you on protecting your home and possessions
  • Make sure our solutions meet or exceed your expectations
  • Negotiate a suitable combination of cover and price for you
  • Meet and communicate in a way that suits you
  • Review your insurance portfolio to determine if having your home, cars and additional properties all under one policy is of benefit
  • Connect you with our trusted partners, if you need help with valuations, rebuild surveys or security improvements
  • Work with our chartered claims team to support you when needed and ensure all claims progress accordingly