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Insurance Details
Prestige Home Insurance is designed to protect high-value residential properties against financial loss arising from damage, destruction, or unforeseen events.
It provides enhanced protection, higher policy limits, broader cover definitions, and specialist claims handling tailored to the needs of owners of luxury, architect-designed, or complex homes.
Whether you own a prestige family residence, a heritage property, or a custom-built home, Prestige Home Insurance offers a higher standard of protection than standard home insurance policies.
Cover Sections / Benefits Covered
Q&A – Common Questions
Prestige Home Insurance offers higher sums insured, broader definitions, fewer sub-
limits, and specialist claims handling tailored to high-value properties.
Yes. Prestige policies are particularly suitable for homes with complex construction,
bespoke materials, or heritage requirements.
Flood cover depends on insurer definitions and underwriting and should be reviewed
carefully based on property location.
Prestige policies typically provide temporary accommodation of equivalent quality
and location, subject to policy limits.
High-value home insurance requires careful valuation and policy structuring.
As your broker, FRS helps you:
• Arrange accurate replacement cost assessments
• Access specialist prestige insurers
• Ensure policy wording matches construction and risk profile
• Manage complex or high-value claims discreetly
Prestige Home Insurance is not just about protecting a building—it is about preserving lifestyle, asset value, and peace of mind.