Property Protection

Property Protection

No matter how precious,

priceless or complex

No matter how precious,

priceless or complex

Remove the uncertainty

From Double Bay to Belgravia and Saint-Jean-Cap-Ferrat, we have the experience in delivering solutions for all your property needs, no matter how precious, priceless or complex they may be.

From Double Bay to Belgravia and Saint-Jean-Cap-Ferrat, we have the experience in delivering solutions for all your property needs, no matter how precious, priceless or complex they may be.

Remove the uncertainty

The experience & discretion you need

HDL have the knowledge and experience to understand the unique and complex needs associated with safeguarding significant assets.

Structuring bespoke insurance programmes for clients who need more than ‘one size fits all’, we simplify the risk and insurance process, providing confidence with discretion and prompt attention.

Coverage that is relevant and true to your needs

When considering insurance options, we ensure the highest level of coverage for your
home, contents, fine art and jewellery as well as family protection and personal liability coverage, that remains relevant and true to your needs.

Important coverage considerations include:

Extended replacement cost coverage

Covering the full cost to rebuild your home after a covered loss even if this is more than the sum insured. So you are protected from the consequences of unintentionally under-insuring your home.

Cash settlement option

You can choose to receive cash if you decide not to rebuild your home or replace your possessions in the event of a covered loss.

Your choice of craftsmen

Obtain the ability to appoint your choice of contractors and craftsmen wherever possible, so you can control the specialist repair of your home or possessions.

Replacement cost on contents

When replacing your contents, coverage that pays you what it costs to replace the item today, up to your sums insured. So all your possessions, from clothing to sports equipment to valuable antiques are covered, without deduction for depreciation.

Worldwide cover for accidental loss and damage

Ensuring all your possessions are automatically covered wherever you are in the world for accidental loss or damage, even when you are travelling or your goods are in transit or in storage.

Environmental coverage

Helping you protect the environment with a range of green covers you can depend on. Such as covering environmental upgrade expenses following a covered loss to your plumbing, irrigation, water heating or energy system. Options are also available to reimburse your increased utility expenses or low power utility income following a covered loss to your solar power energy system.

Personal liability cover

Protecting you and your family with worldwide personal liability cover for a variety of circumstances where you are legally liable. For instance it will provide you with cover if a guest incurs an injury at your home and takes legal action against you.

Identity fraud cover
Someone stealing from your bank or credit card account, taking out loans or refinancing mortgages under your name are examples of one of the fastest growing white-collar crimes in Australia.  Coverage can be included to protect you from financial losses that can result if someone assumes your identity for illicit purposes.

Cyber cover
There is an increasing level of threat of cyber related attacks on high net worth families. Coverage can be included to protect you from cyberbullying, cyber extortion, cyber financial loss and cyber breach of personal information.

Family protection cover
Family Protection cover to help defray the costs associated with recovery from certain crimes and incidents, including carjacking, child abduction, stalking threats, home invasion and aggravated assault. 

HDL, the right partner for you.

Benefits to you.

  • Convenience, we work to simplify and where possible reduce the number of policies you have and aim to achieve a common renewal date.
  • Insurers are carefully selected based upon their understanding of the needs of Private Clients and their ability to offer flexible, often specialist, solutions.
  • The policies we offer are market leading, broad in coverage offering high limits.
  • Most solutions come with a free home appraisal that will calculate the rebuild cost of your home, verify your contents sum insured and provide invaluable risk management advice.
  • Protection provided for all types of asset from the buildings and contents of your home to your fine art collection, the wine in your cellar, the watches in your collection and even your garden.
  • Potential to structure a single portfolio contract for all your personal insurance needs.

Complimentary appraisals

Through complimentary prestige home insurance appraisals, highly trained risk consultants can visit your home to carefully note architectural details as well as the interior and exterior features that determine your home’s replacement cost and the amount of coverage you really need.

Our risk consultants also assist with security and loss prevention advice and will offer suggestions to protect your valuables from damage and theft.

Complimentary Review

Complimentary Review

Securing optimal insurance protection is becoming more challenging.

Having a fresh set of eyes can make a dramatic difference.  HDL welcomes the opportunity to evaluate and challenge your current risk and insurance program in a confidential manner that avoids disrupting existing relationships.

Insurance Broker

Our Global Insurance Network

Over 150 Insurers across the globe.

Our Global Insurance Network

Over 150 Insurers across the globe.