If your home is a high value property, Lycetts can access a specialist buildings insurance policy on your behalf which will provide you with the most comprehensive cover available at a competitive premium. We understand that no two properties are alike and your account executive will choose the most appropriate insurer for your property, whether it be a town or country property, a new build or a historic listed building.
We also recognise the importance of trying to ensure that your current buildings sum insured is the estimated cost of re-building your house from scratch. Understandably, many people either guess the cost, base it on market value or take it from an inappropriate mortgage valuation. The result of these is that you may find yourself under insured in the event of a major flood or fire.
Many of the insurers on our panel will carry out a survey of your property at policy inception, which can help identify under-insurance. Lycetts also has close relationships with a number of specialist firms who can carry out a re-building survey on your behalf to establish what the current sum insured should be.
Factors that can affect the re-building calculation are:
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"Where you choose to live, the style of the home and its size are all very personal decisions. So it would seem foolish not to find the insurance you need in such a personal way too."Contact Jonathan
Legal expenses cover is included with most of the household insurance policies we arrange.read more
We're there even when you're not in your overseas property.read more
Some policies have strict time limits for notification of claims, so if there is a delay you may prejudice your claim.
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Read more about developments both in insurance and at Lycetts.
October 19, 2017
Our clients don’t often ask us ‘when do horses die’ but as specialist equine insurance brokers dealing with horse mortality cases we do have some insight into this.read more
October 18, 2017
The fatal injury rate in agriculture is 18 times higher than average. In total 30 people were killed on British farms in the past year. HSE research shows that hazards include contact with electricity (10 per cent), injury by an animal (7 per cent) and falling from a height (7 per cent).read more