Tata AIG Private Client Group (PCG) Home Insurance — Ultimate Protection for Luxury Homes
If you own a luxury home or manage valuable collections, Tata AIG’s Private Client Group (PCG) Home Insurance offers premium global all-risk protection designed for high net worth individuals (HNIs) who expect fast claims handling, worldwide coverage for valuables and minimal paperwork.
Why PCG is Ideal for High-Net-Worth Homeowners
- One policy for multiple luxury homes across India
- Minimal item listing for furniture, decor and collections
- All-risk cover for fine art & valuables with worldwide protection
- Coverage for premium home equipment — lifts, central AC, automation systems, generators
- Dedicated PCG claim service with concierge support
What the Policy Covers
- Building & fixtures: Fire, flood, earthquake, terrorism, impact damage
- Home contents: Furniture, electronics, appliances
- Fine art & valuables: All-risk cover, market appreciation up to 150%, worldwide cover
- Personal accident cover for homeowners
- Extra benefits: Lock replacement, data recovery, food spoilage, landscaping cover
Claims & Service Experience
With PCG, policyholders get priority claims assistance, global repair support for specialized luxury items and dedicated relationship managers.
Important Notes & Exclusions
- Normal wear & tear not covered
- Some limits for jewellery outside a safe/bank vault
- Mysterious disappearance requires documentation
How to Choose the Right Cover
- Calculate reconstruction cost (carpet area × current rate)
- Schedule fine art and jewellery with valuations
- Opt for agreed value for rare items
- Declare luxury home systems (HVAC, generator, lifts)
FAQ
Can I insure multiple properties?
Yes, PCG covers multiple residences under one policy.
Is jewellery covered abroad?
Yes, worldwide cover applies, subject to limits.
Do I need bills for new jewellery?
Not always, but recommended for high-value items.
Who Should Buy This?
HNIs with luxury homes, premium valuables, fine art collections and global lifestyle needs — who expect seamless claims and maximum convenience.
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