A regular insurance policy might not cut it when you own valuable things, like a luxury home, a classic car, rare art, or fine jewellery. That’s where High-Net-Worth Insurance comes in. It’s built specifically to protect high-value items and give you more peace of mind. And no, you don’t have to be a millionaire to need it.
Let’s explain it in simple, everyday terms so you can determine whether you need it.
High-net-worth insurance (or HNW insurance) is a special kind of insurance designed for people who own expensive or unique assets that standard insurance won’t fully protect.
This includes things like:
Many people have items like these and don’t even realise they’re underinsured.
If your current insurance policy wouldn’t come close to covering the real value of your belongings, you should probably consider HNW insurance.
You might need it if you:
Rule of thumb: If your assets exceed typical insurance limits, high-net worth insurance is a smart move.
Recommended read: Insuring your high-value assets
Covers more than just your house — it protects your lifestyle. This includes:
Not your average policy. Think:
Protects luxury accessories with real value, after a proper appraisal. You get:
Also check: The Need for Specialized Insurance
Standard policies usually have:
If you have something special, an award-winning wine collection, say, or a one-of-a-kind sculpture, your regular policy won’t come close to covering it properly. HNW insurance gives you accurate value, flexibility, and support.
This is where the real magic happens. An experienced broker like Majda’s Touch Insurance does the heavy lifting:
Read more: High Net Worth Insurance Key Takeaways
Not at all. If you own high-value assets, even just a few, HNW insurance might be a better fit than a standard policy.
Yes, premiums are usually higher, but so is the protection. You’re getting coverage tailored to your lifestyle and assets.
You could be left paying out of pocket for expensive repairs, replacements, or legal issues.
Absolutely! Majda’s Touch specialises in high-net-worth coverage. We evaluate your situation, explain your options in plain English, and help you get properly protected.
If you’ve got questions or you’re not sure if your valuables are properly insured, reach out to at info@majdastouchinsurance.com or check our website Majda’s Touch Insurance.
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Because your peace of mind deserves luxury protection too.
