• All Risks Household
  • All Risks Household

WHY “ALL RISKS HOUSEHOLD INSURANCE”?

The “All risks Household Insurance” is intended to meet the most specific needs of demanding customers who own significant assets.
It is essential that these assets or wealth are well protected, and this starts with a comprehensive estimate of the risks to which they may be exposed: Theft, Fire, Water Damage, Natural Disaster.
All types of residential properties are concerned:
  • Principal or secondary residence
  • Whether in France or abroad (i.e. neighboring countries / Monaco / Switzerland…)
  • Apartment, townhouse, private mansion, villa, manor house, castle, mountain chalet, etc...

BUILDINGS COVERAGES

  • Compensation up to the cost of rebuilding to former condition, with no wear and tear
  • All risks coverage, including windstorms and hail
  • Water damage, electrical damage, glass breakage, with no coverage limit
  • Natural disasters, even in the absence of an official decree declaring a state of disaster
  • Coverage of main building and all detached outbuildings
  • Parks and gardens

HOUSEHOLD AND CONTENTS COVERAGE

  • Replacement cost coverage, with no wear and tear, including clothes, audiovisual equipment, and household appliances
  • All risks coverage, including during transportation
  • Theft, water damage, electrical damage
  • Automatic coverage for accidental breakage
  • The guarantees remain valid when the premises are left un-occupied, even in your secondary residence
  • Also when travelling, coverage of personal effects, luggage, cash, credit/payment cash, mobile phones, and laptop computers
  • Automatic increase of the sums insured in case of new acquisitions

FINE ART PROTECTION

  • Compensation: on a replacement value basis on the day of the claim, or at agreed value based on proof
  • Agreed value granted without time limits
  • All risks coverage worldwide, including during transportation
  • Depreciation in value is refunded after restoration
  • Automatic 25% increase in case of new acquisitions
  • Automatic increase of the agreed value, in case of the artist’s death or unability to produce

A SERVICE CULTURE AND CLAIMS SETTLEMENT PHILOSOPHY

  • With the greatest discretion and confidentiality, and within 24 hours, we perform a complete audit of the risks facing you as a result of your current coverage.
  • We use this customised check-up in order to provide you with tailor made solutions, by negotiating contracts with the best underwriters
  • This analysis is followed by a complete summary reflecting your policies and your coverages
  • We also pay particular attention to the claims management from the declaration through to the final settlement as this is the very heart of our service ethic

All Risks Household

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Fine art & collections

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Construction & Renovation

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Professionals

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Vehicles

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Health

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Yachts

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Download our brochure

OUR MAIN PARTNERS

Full list of partners available on request

HISCOX

ALLIANZ

GENERALI

ALBINGIA

SAGEBAT

AIG

CHUBB INSURANCE

APRIL

EISL

YOUR PRIVILEGED INTERLOCUTORS

Franck
Mechin
CEO
 
 
Stéphanie
Pedretti
Underwriting Assistant
Professionals / Construction
Events

Françoise
Lucas-Germanovitch
Underwriting Assistant
Vehicles
 
Soazic
Le Maut
Underwriting Assistant
All risks household / Health
Yachts / Construction
 

Laurence
Dalmasso
Claims Handling Manager
 
 
Danielle
Berthier
Accounting / Office Manager