Security and insurance of luxury goods

Owning a prestigious property, whether it's a seaside villa, a Haussmannian apartment in Paris, or a château in the South of France, entails specific responsibilities regarding security and insurance. The legal and material protection of your assets is essential to preserving their value and ensuring the peace of mind of the occupants.

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1. Understanding the specific risks associated with luxury goods

High-end properties have characteristics that require special attention:

• High value of the property and interior fittings.
• Luxury amenities and services: swimming pools, home automation, works of art.
• Exposure to natural or human risks depending on location: fire, flood, burglary.
• Multiple users and visitors in some cases (staff, guests, tenants).

2. Home insurance for luxury properties

Insurance tailored to luxury goods covers:

• Material damage (fire, water damage, storms, natural disasters).
• The civil liability of the owner or tenant.
• Valuable movable property: high-end furniture, works of art, collectibles.
• Possible extensions for swimming pool, spa, tennis court and integrated security systems.

3. Safety and prevention

Implementing effective security measures is essential:

• Video surveillance systems and connected alarms.
• Automated gates and access control for luxury residences.
• Guarding and surveillance depending on the location and type of property.
• Home automation and automation for remote management of lighting, heating and access.

4. Evaluation and Expertise

Before taking out insurance or investing in security devices:

• Have the property appraised to properly estimate its value and that of the movable property.
• Identify specific risks related to location or architecture.
• Compare specialized insurance offers for luxury goods.
• Regularly update warranties and asset inventories.

5. Legal and contractual obligations

Owners of luxury properties must comply with certain obligations:

• Accurate declaration of the address and characteristics of the property to the insurer.
• Compliance with safety standards (electrical, fire, swimming pool).
• Monitoring of co-ownership contracts, where applicable, for luxury apartments.
• Compliance with local and national regulations on the security of private residences.

6. Claims Management

In the event of an incident, a clear procedure helps to limit losses:

• Prompt notification to the insurer and complete documentation of the damages.
• Preservation of evidence: photos, expert reports, invoices.
• Coordination with security services, guards and maintenance personnel.
• Legal assistance for the management of disputes and appeals.

7. Publication and visibility on Charming Properties

Real estate professionals and owners can publish their luxury properties on Propriétés De Charme:

• Benefit from optimized search engine ranking to attract qualified buyers.
• Group several properties in the same area to enhance your portfolio.
• Individual property owners can submit their properties subject to acceptance.

Insuring and securing your luxury property is essential to preserving its prestige and value. Listing on Propriétés De Charme guarantees visibility and credibility with discerning buyers and investors.