Brookfield’s Home Insurance is designed exclusively for the owners of homes with higher value contents. It is available as a comprehensive policy – to include buildings, all contents and your liabilities – or as stand-alone cover for Fine Art or Valuables. If you own several homes.
We only insure exclusive homes, art and jewellery. So if you suffer a claim, you can count on a personal, quick and efficient service. For individual items of higher value, the insurance amount can even be agreed at the beginning of the policy so that there is no discussion about the indemnity.
With Brookfield, all property is insured on an “all-risk” basis up to the full insured amount. So your cover is not limited to damage caused by fire, burglary or water.
Buildings – Any damaged part of your buildings and fixed decorations will be rebuilt or repaired to the same standard and style as before the damage, regardless of age, type of material, construction method or artistic merit.
General contents – Lost or damaged contents are replaced with equivalent new items, no matter the items age or value.
Art and Antiques – No deductible if an item is damaged or lost. Depreciation cover is included as standard, which means you are also indemnified for loss of market value following repair or restoration.
Jewellery and watches – No deductible applies. If the item is lost or stolen, we will replace it with an equivalent or pay the items value.
Water and antique wooden floors: Water from a leaking pipe damaged the antique oak flooring in the corner of our client’s living room. Repairing only the damaged section would leave the floor looking uneven. Our policy therefore covered the cost to renovate the whole room, restoring the flooring to the same visual appeal as before the claim.
Lost handbag: In her hurry to arrive on time for a flight, our client forgot her handbag on the train, losing a laptop, mobile phone and other personal effects. She was happily surprised to receive financial compensation from us allowing her to replace the bag and its contents with identical new items. Our policy replaces all personal effects on a “new-for-old” basis, event if lost outside the home, without reduction for age or the deduction of an excess.
The Brookfield policy includes automatic cover for transport and new acquisitions of art and collectibles, up to 25% of the original amount insured.
Whist transporting his newly-acquired painting home from an auction-house, our client accidentally caused a tear in the canvas. With our “new acquisitions” cover, the picture was already insured – despite not having been added to the policy, and we paid the restoration costs as well as the resulting loss in market value.