Statuary, antique urns, valuable plants, ride-on Mowers, barn contents and antique garden furniture.
How much loving care (and financial investment) goes into your garden every year? What if you came home to find it stripped of valuable plants, ornaments and machinery?
Gardening fever seems to have hit even the criminal underworld! Following the recent wave of television programs on gardening and makeovers, homeowners are furnishing their outdoor plots with valuable antique statues, water features, urns. All these treasures add style and investment value, but make your peaceful haven vulnerable to theft and damage.
Alarming statistics are filtering through about theft from gardens, and it's not limited to grounds of public mansions; it's private homes too. Initially the thefts were focused on garden statuary, urns and ornamental gates. Now, however, thieves are more audacious:
There has even been a spate of thefts of entire gardens - every plant stripped away!
Read our advice on Garden Security.
One recent case involved antique urns: “The house looked strange - there was something missing. It took a few moments to realize that the large pair of Victorian urns, overflowing with beautiful blooms, that only yesterday had flanked the pillars of the porchway, were there no more”. When this homeowner tried to make an insurance claim, he ran into major problems when they insisted he obtain a professional valuation and would only settle in full if he produced an invoice and replaced the items.
It seems nothing is sacred any longer - so it's vital to ensure that outside effects are properly insured.
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As an independent broker, we can advise on the best policies available - and on risk management measures including valuations, security, fire prevention and property marking - preserving the value of your property and giving you complete peace of mind. We have access to excellent terms with high net worth insurers including Chubb, Hiscox and Hartford.
Careful listening to really understand your needs and priorities
As much help as you need with completing forms to provide risk information
A discreet and complimentary appraisal* of your property to assess the risks and ensure you have the right cover where you need it
An independent market review - so you don’t have to shop around comparing policies, cover limits, risks covered and smallprint exclusions
Careful monitoring of the insurers’ financial strength, claims and customer service
An independent recommendation of the best policy for you - and why
Specialist policy wordings from underwriters who have demonstrated excellence and deep understanding of your risk exposures. We have analyzed a wide range of policy wordings and have selected only the best for our panel. Our advisors have a deep working knowledge of these policies
An intelligently designed portfolio of protection across multiple asset classes and territories
Advice on how best to manage your risks - to keep you safe but also to keep insurance costs down
A dedicated advisor so you can speak to the same person each time.
Expert guidance on valuations, security and risk management, and connecting you with specialist advisers and suppliers
Direct phone and email access to your adviser for questions and advice. We aim to pick up calls within 3 rings and to respond to emails within 60 minutes
Policy documents emailed to you - no logins and passwords to remember
An advocate beside you if you make a claim - thinking laterally to mitigate the impact, making useful connections to get you back up and running, and driving through a swift financial settlement
No call centers, hold music, hidden fees. with La Playa, you are our most important client.*subject to availability with our insurer panel