Masterpiece FAQ

Yes, you can, but there's a condition. To insure a property rented out or used as a secondary residence, you must first insure your main residence as the primary property. Once the main residence is insured, coverage can be extended to the secondary property.

Masterpiece insurance is a high-end insurance policy that provides comprehensive coverage for valuable assets, including homes, art, and possessions. It's designed for individuals with substantial assets, offering tailored protection beyond standard insurance. Consider it if you have high-value belongings and want specialized coverage. It is a lifestyle we want to safeguard it.

Regular home insurance is less expensive because it doesn't cover negligence or mysterious losses. It also only protects belongings inside your home; with low coverage limits, it only covers specific risks. On the other hand, Masterpiece insurance includes negligence or mysterious losses and covers consequential losses. It doesn't apply the average clause and has no cap on alternative accommodation or loss of rental income.

By default, coverage for items stolen by a domestic worker is not included, as they are considered family members. However, an endorsement can be added at no extra cost to remove the domestic worker as a family member, allowing coverage for misappropriation by the domestic worker. Keep in mind that in such cases, coverage for the domestic worker's contents and personal liability may not be included.