Wealth Solution
Property Protection
Insure it for what it costs to rebuild
Cover for homes, shops, offices and industrial premises — sized correctly.
Talk about property protection
What you are actually trying to do
You want a fire, a flood or a break-in to be an insured event rather than a personal loss.
The risk if you do nothing
Underinsurance is nearly universal. Because most policies apply the condition of average, insuring at half the rebuilding cost can halve every claim — including small ones.
How we would approach it
Value at reconstruction cost, not market value. Insure contents separately, and check what the housing society policy does and does not cover.
What you get out of it
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Sum insured set at genuine rebuilding cost
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Contents and structure covered deliberately, not by accident
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Exclusions explained before you need them
A goal is easier to advise on than a product
Tell us what you are trying to reach and by when. The shortlist falls out of that, not the other way round.