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...

• 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

• 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

• 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

• 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