High Value Home Insurance
Cascade Insurance is not simply an Insurance Broker, we pride ourselves on providing bespoke advice and planning to arrange the most extensive high value insurance cover available for your home and your possessions. This could be for just your main home or your portfolio of properties or family fleet of vehicles. Our expertise lies in advising you on the most appropriate cover no matter what your circumstances or lifestyle.
We will look after your insurance interests to ensure that your assets are insured properly and will maintain a relationship with you so that you can rest assured that year after year your property is protected by the best policy and at the most equitable premium.
At Cascade we use our longstanding relationships with High Net Worth Underwriters to discuss all aspects of your needs so that policy cover is individually crafted for you. Working this closely with decision makers at insurance companies offer a range of benefits including the ability to get expert advice on all aspects of insurance.
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Not only are we dedicated to getting you the best insurance policy for you, but we are also passionate about the degree of customer service that we give, WE understand the level of service that is required to deliver a first-class result and are happy to work with the most demanding of clients with high value insurance solutions.
This is a specialist class of Insurance that puts the customer first.
Does my Home need High Value Insurance?
This is often classed as a home with over £500,000 rebuild cost s or over £50,000 of contents. It should also be considered if there is a single item over £10,000.
You may also have Fine Art or Antiques such as paintings, furniture or curio’s and we are able to source advice and help on valuation or restoration where necessary.
If you are not sure how much it would cost to rebuild your home, we are happy to assist or to refer you on to a surveyor who would be able to provide a professional service. You can also access an online valuation at https://calculator.bcis.co.uk/
We can also obtain quotes for High Value and Performance Cars so that you can be sure that you can drive away your car with a piece of mind knowing that should an accident occur that you are in the best possible hands.
I recently contacted Cascade Insurance for some additional business insurance. Their response was not only swift, but the quotation I received was very competitive. Needless to say, they secured my business and I will be using them again in the future as my other insurances come due for renewal. Thank you Cascade. ATTENTION - I have just renewed using Cascade Insurance for a second year. Absolutely brilliant service and the quote was only £20 more than last year. Excellent service and I will stick with Cascade 🙂
Cascade are by far the best insurance company I've dealt with for my business liability insurance. An extremely efficient and friendly service, ensuring that all my business requirements are correctly covered in every detail. All this, together with the best price, makes for a most stress free experience in obtaining the right insurance cover for my business. Having used them for a number of years now, I would highly recommend Cascade to anyone!
Julie has been amazing with sorting out insurance.. She is extremely friendly and Making life a lot less stressful.
I have used Cascade Insurance Services for a number of years, the main reason is that they provide the correct level of cover for my business, always happy to healp and get to your business to give you the right cover.
Since setting up my business in 2020, I've used Cascade for all business insurances I have. Very efficient service for reasonable market standard rates
Johns attention to detail and customer service is above and beyond any other brokers I have experienced. Thank you for such an excellent service. Prices are really good too!
John is very knowledgeable and professional when it comes to arranging business insurance. Great to know I now have the right cover in place. I can definitely recommend Cascade for you all your insurance needs.
Thank you for sorting out our business insurance so efficiently. It was a job we'd been putting off for some time - but you made it simple and stress-free. Thank you for all your help.
Cascade have been fantastic, John has helped me find suitable cover for my business and also cyber insurance. he has a wealth of knowledge. and I look forward to dealing with him and Cascade for years to come.
The service we have received from John and Vicki at Cascades is amazing. I wish I could give more than 5 stars. They go above and beyond to help with every aspect of the insurance process from quotes right through to helping with a claim. By far the best around.
In process of moving quite a bit of commercial and private policies over to Cascade. Very impressed thus far. Highly recommended!
I use Cascade for my personal and business insurances. John's knowledge and advice are exceptional - so you get the right policy at the right price. Excellent and highly recommended.
Thank you very much to Cascade for their efficient and organised arranging of our multiple insurances - grateful for a swift and friendly service - Many thanks
What a lovely team of people they have here. Nothing is to much effort. We have been dealing with Julie and Vicki mostly, and each year I enjoy our chats before all the hard work is done to secure us a reasonable renewal! They have been particularity efficient and supportive whilst we processed a claim, and I would have no hesitation recommending them. Great work guys!
I am really pleased with the service that Cascade Insurance provide. They are always responsive, helpful and very efficient.
Efficient, reliable, very capable. Great team to work with and one I've been very happy with so far.
Amazing service. Julie was incredibly knowledgeable and made the entire process efficient and easy and saved me money on my renewal quote. Many thanks
I have used Cascade for my insurance now for several years. Great people, competitively priced and efficient service. They always go the extra mile. Highly recommended.
Everyone at Cascade Insurance are amazing. It really isn't easy to get fleet insurance for a charity especially with a few claims on the vehicles! The team worked really hard to get us the best possible deal, gave great advice and managed to save us some money, always handy! We have used there service for a few years now and will continue to do so. I highly recommend their services.
Always a very positive experience, i get a reminder when my insurance is due and it is hassle free to renew . I would recommend for your professional insurance needs
Great people , I have used Cascade for more than 5 years now , they always trying to give me the best deal !
Cascade deal with all my company and personal insurance, they are efficient and really pay attention to detail and competitively priced. would have no hesitation in recommending them to anyone.
Great staff at Cascade. Very personal. They have gone above and beyond to assist us with a recent claim. Highly recommend.
Cascade arranged the insurance for Channel Radio and not only understood the needs of the business but went the extra mile to give us confidence that our insurance is properly arranged – Fantastic!
Cascade are super helpful, always quick to answer our questions and help us get the cover we need
Would highly recommend Cascade. They have been supplying our company with insurances for the past 5 years and are always competitvely priced. They go out of their way to get us the best deal.
Cascade has arranged insurance for my building property needs for several years, reviewing the available options that met my needs. The process has been efficient, the prices good, and renewals (even when conditions and available policies have changed) have been straightforward. I'd happily recommend their services.
Cascade organised my site insurance for a building project, John's knowledge was excellent making the process smooth. Cascade are highly recommended.
Great team, competitively priced and would have no hesitation in recommending them.
I have worked with Julie and Cascade Insurance for over a year now and having worked with other brokers in the past I can say cascade has been the best. Julie quick grasped my business and asked me questions other brokers hadn’t. This meant that we found several areas for improvement. The main reason I have found for working with a broker is to have someone who can answer questions about policies (and find good coverage) but over the last year as odd questions have come up cascade have been able to give almost instant replies even when there have been unusual circumstances. I would certainly recommend cascade insurance to other people.
Have used Cascade for a few years now, very pleased with the service and how they have proactively searched for value as well as negotiated with our existing insurer.
Outstanding customer service. They helped me find the correct insurance for my business requirements, and also provided assistance with a tricky claim, the outcome of which was successful. It makes life easy when it comes to renewals aswell, as they explain everything clearly and do all the hard work for you. If you want to ensure you have the right cover, use Cascade Insurance Services.
The most helpful Professional team I have ever had the pleasure of dealing with.
John Lawton at Cascade has been brilliant in responding to my urgent need for a non-standard house insurance policy. He has acted quickly, but also conscientiously - carefully sifting through alternatives to find the right policy that best matches my particular needs. A great service ! I have no hesitation in recommending Cascade.
The team at Cascade are very friendly and knowledgable. They take the time to make sure that the level of cover is exactly right for my business, to give me the most protection and ultimately peace of mind. Great service!
Always helpful. Friendly and professional service that I would definitely recommend to others.
I can highly recommend Julie for PI and other Insurance and high service standards.
We are working with Cascade Insurance Services from 2018 and i can't praise this company enough. Julie and Vicki are always proffesional and deliver outstanding insurance service. If you need a good insurance company please get in touch with Cascade and they will look after you and your business. 5 stars is not enough
I had Julie sorting my public liability insurance for few years now, she is so professional and quick to remind me when the insurance is coming up for renewal. The insurance comes up to less then I paid for the first year when my income was much smaller then is now. Also it gives me peace of mind knowing that I am covered if things happen. I would strongly recommend Cascade Insurance to everybody who needs insurance.
My experience with cascade has been excellent and the insurance and staff were wonderful,just what l needed thanks
Everyone cascade insurance are amazing, Thanks for their help for small business,
At Opportunity Learning Academy we have been using the services of Cascade for the past two years. Nothing is too much trouble and they have managed to keep our most recent policy at the same price it was last year. Outstanding service
Cascade Insurance are diamonds. They're always available whenever I have last minute needs and they have fantastic customer service. They answer the phone QUICKLY. On the one occasion they just weren't able to help me I had a call from a contact at an adjacent firm within a couple of hours. Fantastic service
Buildings Insurance
As well as the structure of the property, a buildings policy covers permanent fixtures and fittings such as baths and toilets, fitted kitchens and bedroom cupboards and the decorations inside your home, including wallpaper.
Buildings policies usually also include garages, greenhouses and garden sheds at your home. However, cover can differ between different insurers (for example, some policies may not cover things like boundary walls, fences, gates, paths, drives or swimming pools), so it is important to check whether policies meet your needs.
Cascade can help you do this so that you get the right Buildings Insurance.
What risks are covered as standard?
Policies do vary, but most of them cover loss or damage from the following:
- Fire, explosion, lightning or earthquake
- Subsidence, heave or landslip
- Storm and flood
- Malicious damage
- Theft or attempted theft
- Water leaking from tanks or pipes
- Falling trees or branches
- Television, radio-signal or satellite apparatus breaking or collapsing
- Riot
- Impact by aircraft, other flying devices, or any vehicle or animal
Some policies also cover the cost of you finding somewhere else to stay if you have to move out of your home while repairs covered by your insurance policy are carried out. This cover is normally limited to a fixed amount or to a percentage of the sum insured.
Home Contents Insurance
This covers the value of all the belongings in your home. The possessions you would normally take with you when you move house while buildings insurance covers the structure of your home and outbuildings.
Contents insurance covers the cost of replacing your possessions if they are damaged, destroyed or stolen. It includes everything you would take with you if you moved home including your furniture, kitchen appliances, curtains, bedding, clothing, television, computing equipment and jewellery.
Types of contents insurance policy
New for old policies replace your contents at their original purchase price regardless of how old they are or what condition they're in at the time you make a claim.
Indemnity polices take wear and tear into account, replacing your items at their current value. For example, if you bought your television in 2009 for £400 and it’s valued at £200 in 2012, your insurer will pay out the lower amount if you make a claim.
What it covers
Your contents insurance will cover the cost of repairing or replacing any of your possessions that are damaged or destroyed as a result of an insured event.
Most contents insurance policies cover damage to or loss of your contents as a result of insured perils such as:
- Fire, explosion, lightning or earthquake
- Subsidence, heave or landslip
- Storm and flood
- Malicious Damage
- Theft or attempted theft
- Water leaking from tanks or pipes
Some contents insurance policies can be extended to cover items you take outside your home such as mobile phones, laptops, cameras and music players.
Legal liability cover
Buildings and contents insurance also covers some of your personal liabilities, for example if someone injures themselves while visiting your home and you are found to be legally responsible for the cause of the injury. Your contents policy will also normally provide personal liability cover for you and members of your household when away from your home.
