Private Client Home InsuranceExceptional cover for exceptional homes. Unlimited replacement, worldwide contents and jewellery protection, and a complimentary home appraisal service.
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If you own a high value home, your standard home insurance policy is almost certainly leaving you exposed. Standard policies apply single article limits to contents, exclude cover for items outside the home, depreciate your belongings, and cap what the insurer will pay to rebuild your property. For a home of significant value, that is simply not enough.
Our Private Client Home Insurance programme is built from the ground up for high net worth individuals and families. It offers unlimited replacement cover for your property, worldwide protection for your contents and jewellery, new for old replacement on everything including clothing, and a level of claims service that matches the standard you expect.
We can cover your primary residence in the UAE, and your homes around the world, including vacation properties. Whether you own a villa on the Palm, an apartment in London, or a holiday home in the South of France, your Private Client programme can be designed to protect them all.
A team of expert home assessors will confirm the rebuild value of your property, help you correctly value your home contents, and guide you on arranging professional valuations for high value jewellery and fine art. This service is complimentary.
Your property will be rebuilt exactly as it was, even if the cost exceeds your sum insured. No compromise, no shortfall, no cap.
Your personal contents, including bags, clothing, and accessories, are covered worldwide against accidental damage. Take your belongings anywhere in the world and know they are protected.
Your jewellery is covered worldwide on a comprehensive all risk basis. This includes theft, accidental loss, accidental damage, and misplacement. If your ring slips off at a restaurant, if a bracelet goes missing during travel, or if a piece is stolen abroad, you are covered. This goes far beyond what any standard policy offers, where jewellery is typically only covered within the home for named perils.
There is no cap on the value of any individual item in your contents. Whether it is a piece of fine art, a luxury watch, or a designer handbag, each item is covered to its full value.
Damaged or lost items are replaced with brand new equivalents, including clothing items. No deduction for wear and tear or depreciation.
Just purchased new furniture, electronics, or art? You are automatically covered for up to 60 days while you update your policy.
If one item in a set is damaged, the entire set is replaced. No mismatched furniture, no incomplete sets.
If your home becomes uninhabitable, the insurer covers the cost of alternative accommodation for you, your family, and your domestic pets, including moving your contents. If you are a landlord, lost rental income is also covered.
You are protected against legal liability for bodily injury or property damage to third parties, anywhere in the world.
If your keys are lost, damaged, or stolen, the cost of replacing all locks, keys, and alarm codes for external doors, windows, safes, and intruder alarms is covered.
Coverage for loss of metered water from your plumbing, water heater, or air conditioning installation.
Your Private Client Home programme can be extended to cover properties anywhere in the world, including your vacation homes, second residences, and investment properties abroad. One programme, one advisor, complete protection wherever your homes are.
| Home Insurance | Private Client Home | |
|---|---|---|
| Rebuild cover | Capped at the sum insured. If rebuild costs exceed this, you pay the difference | Unlimited replacement cover. Property rebuilt exactly as it was, even if the cost exceeds the sum insured |
| Contents valuation | Self-declared by the policyholder | Complimentary professional home appraisal to confirm correct valuations |
| Single article limit | Typically applies a cap per item (e.g. AED 5,000 to AED 10,000) | No single article limit. Every item covered to its full value |
| Jewellery cover | Covered within the home only, for named perils such as fire, natural disasters, and theft | Covered worldwide on a comprehensive all risk basis, including theft, accidental loss, misplacement, and damage |
| Contents outside the home | Not typically covered | Worldwide accidental damage cover for all contents including bags, clothing, and accessories |
| Replacement basis | Depreciated value (wear and tear deducted) | New for old. Brand new replacement including clothing. No depreciation |
| New acquisitions | Not automatically covered | Automatically covered for up to 60 days |
| Matching items | Only the damaged item replaced | Entire set replaced if one item is damaged |
| Temporary accommodation | Limited cover, often capped | Reasonable alternative accommodation for you, your family, and domestic pets, plus moving your contents |
| Public liability | Typically UAE only | Worldwide public liability |
| Vacation homes abroad | Not covered | Can be added to your Private Client programme |
The difference is clear. For homes and lifestyles of significant value, standard insurance leaves too many gaps. Private Client Home Insurance provides protection without compromise.
The true value of any insurance policy is demonstrated at the point of a claim. Here are two real examples of how Private Client Home Insurance has protected our clients:
Jewellery | All Risk | Misplacement
A client misplaced their bracelet. Under a standard home insurance policy, this would not be covered as there was no theft, no break-in, and no named peril event. Under the Private Client programme, the bracelet was covered on an all risk basis, including misplacement. The insurer replaced the bracelet in full based on the valuation on file.
Jewellery | All Risk | Worldwide Theft
A client’s ring was stolen while they were travelling in Spain. Under a standard home policy, jewellery is typically only covered within the home. Under the Private Client programme, the ring was covered worldwide on an all risk basis. The client submitted a local police report and the existing valuation on file. The claim was paid in full.
Property | Contents | Garden Furniture | Rapid Settlement
Heavy rainfall caused significant water ingress into a client’s property, damaging interior walls, flooring, furnishings, and garden furniture. The client reported the claim and the insurer acted swiftly. The entire claim, covering the internal damage, replacement of the garden furniture, and an allowance for waterproofing works to prevent future recurrence, was assessed, approved, and paid within 10 days. This is the level of service Private Client policyholders can expect.
These are the moments that define the value of Private Client cover. When something goes wrong, you are protected, wherever you are in the world.
If you qualify for Private Client Home Insurance, your vehicles can also benefit from our Private Client Motor programme. This means the same premium level of service, cover, and claims handling for your cars as your home: agency repairs for life, agreed value cover, premium courtesy vehicles, and a dedicated personal advisor.
Speak to your advisor about building a complete Private Client programme that covers your home, your vehicles, your jewellery, and your personal assets under one relationship.
Pioneer is one of a select number of brokers in the region with access to the complete range of high net worth home insurance products. We also work with international specialty markets, ensuring you have access to the broadest and most comprehensive cover available.
We can cover your homes anywhere in the world under a single programme, including vacation homes and second residences. One advisor, one programme, complete protection wherever your properties are.
You deal with a dedicated advisor who understands your home, your contents, and your lifestyle. We take the time to ensure your programme is correctly structured and your valuations are accurate.
In the event of a claim, our team acts as your advocate. We manage the process, coordinate with the insurer, and ensure the claim is handled to the standard you expect.
Private Client Home Insurance is a specialist product designed for high value homes and individuals who want premium, comprehensive protection. It offers benefits that go far beyond a standard home insurance policy, including unlimited replacement cover for your building, worldwide contents and jewellery protection on an all risk basis, no single article limits, new for old replacement, and a complimentary professional home appraisal.
Your jewellery is covered worldwide on a comprehensive all risk basis. This means it is protected against theft, accidental loss, accidental damage, and even misplacement, anywhere in the world. Under a standard home policy, jewellery is typically only covered within the home for specific named perils. Private Client cover is fundamentally broader.
If you simply lose a piece of jewellery and cannot find it, the claim is covered. There does not need to be a theft, break-in, or specific peril event. Misplacement is covered. This is one of the most valuable benefits of Private Client jewellery cover and is not available under standard policies.
If your property needs to be rebuilt following a covered loss, the insurer will rebuild it exactly as it was, even if the cost exceeds the sum insured on the policy. Under a standard policy, if the rebuild cost exceeds your sum insured, you bear the difference. Unlimited replacement cover eliminates that risk.
Yes. Your Private Client Home programme can be extended to cover properties anywhere in the world, including vacation homes, second residences, and investment properties abroad. We design one programme that covers all of your homes.
A team of expert assessors visits your property to confirm the rebuild value, help you correctly value your home contents, and provide guidance on arranging professional valuations for high value jewellery and fine art. This service is provided at no cost and ensures your policy accurately reflects the value of your home and belongings.
Yes. If you qualify for our Private Client Home Insurance programme, your vehicles can also benefit from the Private Client Motor programme. This provides agency repairs for life, agreed value cover, premium courtesy vehicles, and the same elevated level of service for your cars as your home.
The entire set is replaced. If, for example, one dining chair in a set of eight is damaged beyond repair, the insurer replaces the full set so you are not left with mismatched furniture.
Unlimited replacement cover, worldwide jewellery protection, and a personal advisory service designed around you. Pioneer Insurance Brokers offers exclusive access to the UAE’s leading high net worth home products, plus international specialty markets.
