Anything but ordinary

Preferred Choice is designed for individuals who need their home insurance to go beyond the standard cover. From higher-value properties and assets, to jewellery, fine art and more.

Integration Magenta

Strong appetite

We’re keen to write business and to work closely with our brokers to grow together. To make your life easier, we have a quick and efficient quote-and-buy process and you’ll have direct access to decision-makers.

Coins Stacked Magenta

Competitve pricing

We focus on delivering great value to your customers and the right level of commission for you as the broker.

Handshake Magenta

Flexible trading

Deal with our dedicated personal lines team, or e-Trade this product on RSA Online or Acturis – designed to give you flexibility in the way you work.

Extensive cover, plenty of benefits

Preferred Choice offers significant levels of cover as standard and includes the option to add extra benefits.


  • Cover up to £1,000,000
  • Trace and access up to £15,000
  • Up to three years for alternative accommodation

Contents and valuables

  • Cover available from £75,000 up to £200,000
  • All-risk worldwide coverage
  • Defective title cover up to 20% of the valuables sum insured

All policies

  • Full accidental loss or damage worldwide
  • 24-hour Home Emergency Assistance helpline and call-out up to £500
  • Home Care Service, covering items like lost key
  • Replacement and damaged shrubs and trees
  • Excess waiver for claims over £10,000 (Buildings policies only)
  • Average free
  • Warranty free
  • Legal expenses cover up to £100,000

Additional benefits

  • Hired marquees £20,000
  • Hand or wind propelled watercraft (up to 12 feet in length) £5,000 per craft
  • Hole in one £500
  • Identity fraud £50,000 (with inner limits)

Extraordinary home insurance, excellent service

Easy to trade

Smooth and simple quote and buy process via our expert underwriting and sales and support teams.

Dedicated trading team

Our regional expertise builds strong relationships and helps you to grow your business.

Expert underwriters

Our specialist team of underwriters are available to talk through any specific risks or questions you may have.

Fast, efficient claims

Our claims team is experienced and responsive – acting quicky and decisively when you need it most.

Business appetite

See examples of the types of customer this product is designed for.

  • Examples we target and are at our most competitive for include:

    • Buildings sum insured up to £1,000,000
    • Contents sum insured from £75,000 to £200,000
    • Minimum premium £500 (buildings and contents) excluding IPT
    • Claim free
    • Good levels of security
    • Customers who are well-known to the broker
    • Professional persons

Get a quote online

Log in to RSA Online and select Personal Home Insurance – Preferred Choice or use Acturis to get a quote.

Contact us for a quote

Prefer to talk with a person? To find out more and get a quote, speak to our team.

RSA Mass Affluent Team

DD 0345 071 0144

Related products and services

Personal Home Insurance - Clearchoice

Comprehensive home insurance backed by fast, efficient claims. Includes buildings insurance and contents insurance.

Learn more

Why RSA?

People. Products. Claims. Three reasons we’re still thriving after more than 300 years as a general insurer.

Learn more

Search related products