Buildings
Sophisticated homes built to a high specification and period listed homes are not embraced by usual high-street household insurance policies. Knowing what to insure such homes for is a difficult enough challenge. Porticus can offer a complimentary rebuilding cost valuation of the home and unlimited coverage is usually provided offering added peace of mind for the homeowner.
Fine art, Antiques and Valuables
You naturally want the very best cover for your best pieces. Porticus offer unrivalled expertise in insuring all your treasures from valuable paintings and porcelain to fine antique furniture and precious gems. We will also take into account any valuable collections you may have on display, including rare books, coins and stamps.
Assistance in specifying items for their correct replacement value with specifically designed insurance terms avoids the pitfalls contained in many standard insurance policies. Special provisions offer superior protection such as cover anywhere in the world including accidental damage, loss in market value following restoration, replacement of pairs or sets if one part is lost or damaged and automatic cover for newly acquired items
Protection from under-insurance following loss
Most insurers will reduce claims settlement if the total sum insured is found to be inadequate following loss. We remove this worry as most of our products are ‘average free’ and insurers will not discount claims settlement for this reason.
Value Added Advice
As part of our total service ethos at Porticus we provide more than pure insurance. If required we can also offer

• Advice on acquisition and disposal of art, antiques and jewellery
  

• Referral to valuers of fine art, antiques and jewellery at preferential fee rates
  

• Recommended fine art restorers, storage facilities and transporters
  

• Recommended security and fire protection products and installers
  

Fact
The contents of most homes in the UK are seriously under-insured
The majority of homeowners have little idea of the worth of the contents of their homes. Even the average homeowner would have quite a surprise if he did the arithmetic and totted up the value of each item.
Under-insurance can obviously lead to severe problems when making a claim.
Porticus offer advice on the correct sum insured for contents and coverage is based on new for old replacement basis, even for clothes. Rapid cash claims settlement, and protection against underinsurance are some of the other crucial features offered in protecting higher than average value home contents.