Property insurance provider
Howden Private Clients / R K Harrison
Private-client insurance broker
Private-client household broking for high-value homes, overseas properties, holiday homes and collections.
At a glance
- Provider type
- Private-client insurance broker
- Global reach
- High
- Primary audience
- Affluent and HNW homeowners with high-value homes, overseas properties and collections
- Buildings
- Core
- Contents
- Core
- Transit / moving
- Policy dependent
- Second / holiday homes
- Strong
- Valuables
- Exceptional
- Rental liability
- Policy dependent
- Catastrophe
- Market dependent
- Personal liability
- Available
- Unoccupied / seasonal
- Broker dependent
- Multiple homes
- Strong
- Claims / servicing
- Broker claims support
- Provider model
- Broker
- Pricing
- Bespoke
What type of property-insurance provider is this?
A private-client broker. Howden does not itself underwrite the policy. The provider model affects which insurers can be compared, who advises on placement and who ultimately underwrites the risk.
Who it may suit
Howden Private Clients / R K Harrison may be relevant to Affluent and HNW homeowners with high-value homes, overseas properties and collections.
Where can the provider insure property?
High reach, with overseas properties and holiday homes described on the published household page. Confirm the specific property country. Availability depends on insurer appetite and local regulation. Eligibility can depend on the property country, the country of residence and the insurer that is prepared to take the risk. Global reach is not universal availability.
Buildings cover
Core. A buildings section, where one exists, is about the structure and permanent fixtures. Rebuild cost, alternative accommodation, debris removal and professional fees are questions for the wording. No rebuild figure is stated here.
Contents and personal property
Core. Household possessions, furniture and personal items are a different sum from the building. Worldwide possessions, where described, still depend on the policy.
Fine art, jewellery and collections
Exceptional, including fine art, jewellery, watches, wine and collections. Scheduling, valuations and item limits differ. This is not unlimited cover for watches, wine, jewellery or fine art.
International transit and storage
Broker and policy dependent. A home policy may not apply while possessions are in storage or being shipped. The practical move is covered separately on moving country and relocation.
Second homes and holiday properties
Strong. Overseas properties and holiday homes are explicitly supported. Seasonal occupancy, empty periods, security, letting and local catastrophe risk are separate questions from a permanently occupied home.
Rental and tenant liability
Policy dependent. Letting a property, including short stays, can be a different use. This page does not treat a selected programme as cover for every rental.
Catastrophe and location-specific risk
Broker-led and market dependent. Coverage and deductibles vary by location and policy. Flood, earthquake, hurricane, wildfire and storm are not assumed.
Personal liability
Available on relevant policies. This is liability arising from the home or the person, where the policy includes it. It is not a statement that every claim against the owner will be met.
Unoccupied and seasonal property
Broker and insurer dependent. This page does not state how many days a home may stand empty. Security, visits and caretaker conditions belong in the wording.
Multiple homes and international portfolios
Strong. Several homes, a consolidated arrangement and valuables that move between properties are private-client questions. A single point of contact is a servicing point, not a promise that one policy covers every address.
Claims and ongoing servicing
Private-client broker claims support. Claims support is not a decision that a claim will be paid.
What changes property-insurance pricing?
Bespoke. This page does not publish a premium.
- Property country
- Property value
- Rebuild cost
- Occupancy
- Second-home use
- Rental use
- Catastrophe exposure
- Security
- Valuables
- Claims history
- Construction type
Questions to ask
Ask Howden Private Clients / R K Harrison directly. This page does not answer these for a particular property.
Which countries can you insure?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are you a broker or insurer?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which insurer actually underwrites the policy?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the building covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are contents covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What rebuild value should I insure for?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are art and jewellery covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Do high-value items need to be listed individually?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is the property covered when unoccupied?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
How long can it remain empty?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can the property be rented to guests?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is personal liability included?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is landlord / tenant liability included?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is flood covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is earthquake covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is hurricane / windstorm covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is wildfire covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Are catastrophe deductibles different?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is international transit covered?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Can multiple homes be included?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Is there worldwide contents cover?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Who helps with claims?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Which local entity handles the policy?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
What exclusions should I understand?
Ask Howden Private Clients / R K Harrison directly. The answer depends on the property, the country, the use and the insurer that issues the policy.
Sources and review
Reviewed 8 October 2026.
- Service page
The provider’s published service description used for this page.
- Provider page
A further public page. It does not mean WiT Access has an agreement.
Information is based on publicly available provider information reviewed by WiT Access. Property-insurance benefits, exclusions, catastrophe limits, pricing, eligibility and geographic availability can change.