Ultra Home

Ultra Home is designed for your clients with rebuilds typically over £10m and is subject to an annual minimum premium of £25k including IPT. 

What's covered as standard?

• Buildings Replacement Cover - with unlimited cover available, we'll pay what it costs to rebuild your client's home.^*
• Other Permanent Structures - cover for up to 30% of the building sum insured for other permanent structures on your client's property like detached staff cottages and equestrian stables
• Jewellery and Money - if there's loss, damage or theft to your client's jewellery or money we can offer high levels of cover to protect these items
• Home Improvements Cover - there's cover for up to £500k for damages arising from home improvements
• Alternative Accommodation - should the unexpected happen and your client needs to leave their home, there's alternative accommodation cover for an unlimited duration, so they'll have somewhere to call home
• Loss of Rent - for your clients who rent their property, there's also an unlimited period of cover for loss of rent, so they won't be out of pocket
• New Item Cover - for any newly purchased items, there's cover equivalent to up to 30% of the contents sum insured for up to 90 days from the date of purchase, so your clients don't need to tell us immediately, but they'll still be covered
• Public Liability - cover of up to £20m available, covering your client should a third party come to any harm whilst at their property
• Worldwide Travel - We’ll provide personal worldwide travel cover, including up to £20k for trip cancellations per person, for individuals up to 80 years old. This coverage applies to all residents of the household while they are travelling
• 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 £150k 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 £3k to help clients resolve any issues as promptly as possible
• Legal Assistance - up to £500k of cover for legal costs such as expenses or solicitors fees
• Interest-free direct debit - policies can be paid for monthly, with no interest added, so there are no added charges for your clients
   

^{* Unlimited replacement can be agreed 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 five years and the cover agreed by Aviva.}

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