Refine Home

Refine Home is designed for your clients with a main residence rebuild between £1-£3m, jewellery up to £250k and up to 5 UK locations.

What's covered as standard?

• Buildings Rebuild Cover - we'll pay what it costs to rebuild your client's home with an uplift of up to 125%^*
• Other Permanent Structures - cover for up to 20% of the building sum insured for other permanent structures on your client's property like detached staff cottages and equestrian stables
• Art and Collectables - we'll provide unlimited cover for art and collectables, so if they become damaged or come to harm, there's peace of mind that these are protected
• Jewellery and Watches - are covered for up to £250k should they be subject to loss, damage or theft, clients can rest assured that there's insurance in place for those valuable items
• Home Improvements -  there's cover for up to £100k for damages arising from home improvements
• Alternative Accommodation - should the unexpected happen and your clients need to leave their home, there's alternative residency cover for up to £500k, so they have somewhere to call home
• Loss of Rent - for your clients who rent their property, there's cover for up to £200k for loss of rent, so they won't be out of pocket
• Public Liability - cover of up to £10m available, covering your client should a third party come to harm whilst at their property
• Personal Cyber - cybercrime can leave your clients susceptible to fraud and identity theft and if your client is unfortunate enough to fall victim to a cyber attack, they're covered for up to £75k to help them recover
• Home Emergency - if there's been an unexpected issue affecting heating, plumbing, electricals or other essential facilities, there's cover available for up to £1,250 to help clients resolve any issues as promptly as possible
• Interest free direct debit - policies can be paid for every month, with no interest added, so there are no added charges for your clients
• Legal Assistance - there's cover of up to £125k for legal costs such as expenses of solicitors fees, should your clients occur these

^{* 125% uplift included for all locations other than property listed as Grade 1/2* (England and Wales) Grade A/B (Scotland) or Grade A/B+(Northern Ireland). The property must have been surveyed in the last 5 years by a professional valuer or surveyor}

^{Exclusions and limitations may apply. Please refer to your insurance product information document and policy wording for more details.}