Far from standard.


All Risks Mid Net Worth Home

Main Features of Cover

Cover is provided on a worldwide "all risks" basis for the buildings and contents, so unless the policy specifically excludes a peril, the client is covered.

The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.



Standard excess £250
Standard subsidence excess £1,000
Extended Replacement Cover Unlimited (following valuation/appraisal)
Trace and access £15,000
Loss of Rent Payable for up to 3 years
Alternative accommodation Payable for up to 3 years
Fatal Injury Benefit £50,000
Security Upgrade Benefit following aggravated burglary £2,500
Home Upgrade following Escape of Water or Flood loss £5,000
Tree Damage Prevention Measures £2,500
Environmental Upgrade £2,500
Reward £10,000


Standard excess £250
Extended Replacement Cover 125% of contents sum insured (following valuation/appraisal)
Alternative Accommodation & Loss of Rent  Payable for up to 3 years
Trace and access £15,000
New acquisitions Up to 25% of contents sum insured
Pedal cycles £5,000
Fridge and freezer contents Up to contents sum insured
Replacement locks Unlimited (no excess)
Loss of personal electronic data £5,000
Loss of personal documents £5,000
Students and boarders possessions £5,000
Care home cover £10,000
Memorial stones £2,500
Golfer's extension Includes third party damage, 'Hole in One' cover and hiring golf clubs overseas


Standard excess £250
Unspecified single item limit £10,000
New possessions Up to 20% of valuables sum insured
Defective title Up to £25,000

Fine Art

Standard excess £250
Unspecified single item limit £25,000
Death of artist Up to £100,000
Defective title Up to £100,000
New possessions Up to 20% of fine art sum insured

Automatic special extensions

Home Emergency £1,000
Identity Theft and Legal Expenses £100,000
Cyber £50,000 per policy period

© Copyright @ 2020 Plum Underwriting Ltd. All rights reserved.
Plum Underwriting Ltd is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 50 Fenchurch Street, London, EC3M 3JY. Company number 04509589.

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