Household Product Information

Minimum Requirements

  • Buildings only £250,000
  • Contents only (exc. Jewellery, Watches and furs) £75,000
  • Combined buildings and contents £300,000
    *Providing a risk meets with one of the above criteria a quotation will be considered


  • BUILDINGS – Accidental damage
  • CONTENTS – Worldwide accidental damage on general contents, fine art, antiques and valuables



  • Buildings of any age or construction will be considered
  • Flexible underwriting
  • Single article limit for fine art and antiques £25,000
  • Single article limit for valuables £10,000
  • Discounts
    – Combined buildings and contents
    – Valuables kept in a bank safety deposit
    – Voluntary excess


Any risk that falls outside this criteria should be referred to our underwriters for consideration:

    – Five lever mortice deadlocks on all exit doors
    – Key operated locks on all accessible windows, fanlights or skylights
    – Key operated locking devices fitted top and bottom on french and patio doors
    – If required, must be professionally installed with an annual maintenance contract
    – We do not insist on NACOSS approved installers

The Benefits

The Palladium home insurance policy includes:

  • Accidental damage on buildings
  • Extended replacement up to 125% of Building sum insured, subject to a rebuilding valuation being provided at inception
  • £10,000 valuables included in the contents section as standard
  • Fly tipping
  • Locks and keys replacement
  • Contents of let homes
  • Essential home alterations necessitated by physical injury
  • Worldwide accidental damage cover for your general contents, fine art, antiques and valuables
  • The cost of tracing domestic water leaks
  • Garden restoration costs
  • Alternative accommodation for up to 3 years
  • High single article limits – fine art and antiques, £25,000; valuables, £10,000
  • Extended replacement cover for contents, fine art, antiques and valuables subject to valuations being undertaken that are no more than 3 years old
  • Students’ personal effects at boarding school, college and university
  • Cover for parents/grandparents contents whilst in residential care
  • Identity fraud expenses
  • Loss of metered water and leakage of oil
  • Death of an artist
  • Defective title
  • Fatal injury
  • Digital downloads
  • Damage to hired marquees
  • Reinstatement of documents and title deeds
  • Public, personal and owner occupiers liability up to £10,000,000
  • Liability to your domestic employees up to £10,000,000
  • Golfers cover
  • Home emergency solutions for domestic emergencies
  • Family legal solutions up to £100,000
  • A 24 hour helpline
  • Payment of premium by direct debit over 10 montly instalments

Want to know more?

For more information about Palladium Underwriting Limited and the services that we offer, please call us on 01527 559012 or…

Palladium Underwriting Limited

Palladium House
10F Buntsford Park Road
Aston Fields
Worcestershire B60 3DX
t. 01527 559012
f. 01527 559234


Authorised and Regulated by the
Financial Conduct Authority
Financial Services Register number 310955


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