In 2026, the Irish economic landscape is shifting rapidly. Growth in high-net-worth individuals (HNWIs) continues to outpace many other sectors. Consequently, the need for sophisticated asset protection has never been greater. Managing significant wealth requires more than just a standard insurance policy. It demands a partner who understands the nuances of luxury assets and heritage risks. Dolmen Insurance is that partner for many of Ireland’s most successful families. We provide a bespoke approach that goes far beyond the high street.
Safeguarding the Modern Irish Estate
Many homeowners mistakenly believe their standard policy offers enough protection. However, high-value properties often have unique features that standard insurers cannot value correctly. For example, a bespoke designer kitchen or an imported marble floor requires specialist appraisal. If your rebuild cost is not accurate, you risk being significantly underinsured. In 2026, construction inflation remains a key factor in the Irish market. Therefore, an annual review of your property’s reinstatement value is absolutely essential.
Furthermore, standard policies often have strict limits on high-value contents. Items like high-end watches, art, fine jewellery, and luxury fashion collections need individual attention. Our Private Client team works with you to identify these items. We then place them on an “Agreed Value” basis where possible. This ensures that you receive the true replacement cost in the event of a total loss.
Navigating Specialist Cover for Heritage Homes
Ireland is home to a magnificent array of period and listed properties. While these buildings are beautiful, they are notoriously difficult to insure correctly. Many standard providers simply refuse to cover thatched roofs or listed stone structures. This is usually due to the perceived risk and the high cost of traditional repairs. However, at Dolmen Insurance, we specialise in these “uninsurable” risks.
We understand the statutory obligations of owning a protected structure. You must use specific materials and traditional craftsmen for any restoration work. These requirements can easily triple the cost of a standard repair. Our high-net-worth insurance team has access to niche underwriters who understand heritage. They provide policies that respect the history and the architectural significance of your home. Whether it is a Georgian townhouse or a thatched cottage, we find the right solution.
The 2026 Private Client Guide: Preventing Underinsurance
A major trend in 2026 is the rising “protection gap” in the Irish market. Recent data suggests that over 30% of high-value homes in Ireland are currently underinsured. This often happens because owners calculate insurance based on market value. However, insurance must be based on the actual cost to rebuild from scratch. This includes site clearance, professional fees, and expensive VAT.
To combat this, we recommend regular proactive risk appraisals. Our team helps you coordinate professional valuations for both buildings and contents. This proactive approach ensures that your policy stays in step with inflation. Additionally, it prevents the dreaded “average clause” from being applied to a claim. If you are 50% underinsured, your insurer may only pay 50% of any claim. We ensure you never find yourself in that precarious position.
Protecting Global Lifestyles: Beyond the Irish Shore
Many of our clients lead truly international lives. You may own a holiday home in Spain or keep a car collection in London. Managing multiple policies across different countries can be a logistical nightmare. Therefore, Dolmen Insurance offers a consolidated approach for global asset owners. We can often wrap your international interests into a single, comprehensive portfolio.
This global coverage extends to your travel and personal liability as well. Whether you are sailing in the Mediterranean or skiing in the Alps, we have you covered. High-net-worth individuals often face greater risks regarding personal liability. Consequently, we provide enhanced limits that standard policies simply cannot match. This level of protection allows you to focus on your lifestyle with complete peace of mind.
Why Choose Dolmen’s Purpose-Built HNW Team?
What truly sets Dolmen Insurance apart is our dedicated Private Client Division. We do not use call centres or automated ticketing systems. Instead, you are assigned a dedicated account manager who knows your portfolio intimately. This specialist team is trained to handle complex requirements with absolute discretion. We understand that your time is your most valuable asset. Therefore, we streamline the entire process from quote to claim.
Furthermore, we act as your advocate during the claims process. If the worst happens, you need a team that will fight your corner. We have decades of experience negotiating with top-tier underwriters in Ireland and the UK. Our independence allows us to source the best rates without compromising on cover. Ultimately, our goal is to protect your legacy for the next generation.
| Service Feature | Why It Matters to You |
| Dedicated Expert | No call centres; you speak to the same person every time. |
| Bespoke Appraisal | We value your assets correctly to prevent underinsurance. |
| Heritage Expertise | Specialist cover for listed, period, and thatched properties. |
| Global Reach | Protect your international properties and travel in one place. |
Do not leave your most precious assets to a “one-size-fits-all” policy. Your wealth is unique, and your insurance should be too. Contact our Private Client team today to arrange a confidential review of your current cover. Let us show you the Dolmen difference in the high-net-worth market.
Disclaimer: The information provided in this blog post is for general guidance and informational purposes only. While every effort has been made to ensure accuracy, insurance coverages and legislative requirements can change. Dolmen Insurance Brokers Ltd accepts no responsibility for errors or omissions. Always consult with a qualified broker to discuss your specific insurance needs and policy terms. Dolmen Insurance Brokers Ltd is regulated by the Central Bank of Ireland.
