Iprism House and Home Ultra Policy by Sterling

Versatile Buildings & Contents Insurance designed exclusively for owners of high value homes and possessions.

The Ultra Home Insurance policy provides much wider protection than you will find in standard home insurance policies and therefore contains no unusual exclusions. You will be responsible for the excess unless the total cost of the claim exceeds £10,000 when the excess will be waived.

If you would like to discuss your requirements then please give us a call or request a callback.


Iprism Ultra Buildings

Our policies provide first class all risks* buildings cover for prestigious properties and includes swimming pools, garages, stables and all domestic outbuildings.

Up to £50,000 to cover the costs of finding leaks.

Cost of alternative accommodation for up to 5 years.

Automatic cover for work being done on your home up to £75,000.

Up to £30,000 if you need to make alterations to your home as a result of permanent physical disability of any member of your family.

Gardens and trespass protection - up to 10% buildings sum insured.

Iprism Ultra Contents and Valuables

Comprehensive worldwide all risks for the contents of your home including your prized fine art, antiques and valuables.

Worldwide all risks including accidental loss or damage for the contents of your home.

Also applies to all those permanently resident in your home including your children whilst they are at school, college or university.

Students course and residential fees - up to £20,000

Up to £25,000 for hired in marquees and associated equipment.

Up to £5,000 to pay for repairs or replacement of memorial stones.

£7,500 for money which increases to £15,000 for money in safe.

Cover for property of your guests and any domestic employees - up to £7,500.

£5,000,000 in the event that you are legally liable for damage to someone else's property; or for any injury to third party. This increases to £10,000,000 for injury to domestic employees.

Unlimited cover for replacing locks and keys to your home and its security devices if they are lost or stolen.

Peace of mind that cover is in place, for up to 60 days without telling us for newly acquired items up to 25% of the contents sum assured.

£10,000 for any one golf cart, quad bike or vehicle designed for the use of disabled  persons (provided Road Traffic Act cover is not obligatory).


Who is it for?

What is covered?

Why you need it?

Owners of High Value Rural or City Homes with:
  • Prized collections of antiques
  • Fine art
  • High end electronic equipment
  • Expensive jewellery
  • Swimming pools
  • Stables
  • Second homes

Included as standard:
  • Buildings all risks with accidental damage
  • Contents with worldwide all risks
  • Art, Antiques and Valuables high single article limits
  • Liabilities: £5m for your liability to third parties
  • Legal expenses
  • Home emergencies with 24 hour helpline
  • Identity fraud

To protect you, your home and contents from:
  • Theft by third parties
  • Fire and water damage
  • Malicious and accidental damage
  • Public liability
  • Legal expenses
  • Enable you to pay any damages you may be liable for

Additional Benefits Include

Ultra by Iprism


  • Legal Protection up to £100,000
  • Home Emergency £1,000 
  • Identity Theft up to £100,000 
  • Bespoke Claims handling service 
  • Service Occupancy up to £100,000

Only available via a broker. Exclusive yet versatile home insurance designed for owners of very high value homes and possessions.

Insurance for up to six properties can be insured & managed with one policy. Very high specified single item limits of £15,000 for valuables & £25,000 for art & antiques.

Other Information

We do need to know if your home will be unoccupied for more than 60 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.

If you require more information on the iprism ultra policy please call 0207 112 8940