HIGH VALUE HOME INSURANCE
Insurance designed around your home and lifestyle.
Higher-value homes, possessions, jewellery, art and collections can require more than a standard household insurance policy. We take the time to understand your property, the things you value and the way you live, so we can arrange appropriate protection around you.
Already insured? Send us your current policy schedule and statement of facts and we can use it as a starting point to review your existing cover and next renewal.
High Value Home Insurance built around you
Every home and lifestyle is different. We take the time to understand your property, possessions and individual circumstances before approaching suitable insurers for cover.
Understand
We get to know your home, possessions, lifestyle and what matters to you.
Identify
We identify valuable items, specialist risks and potential gaps in existing cover.
Arrange
We approach suitable insurers to arrange appropriate cover.
Support
We remain available when things change or if you need help with a claim.
What is High Value Home Insurance?
High Value Home Insurance is designed for homes, possessions and lifestyles that may fall outside the limits or restrictions of a standard household insurance policy.
Policies can provide higher levels of buildings and contents cover, together with broader protection for jewellery, watches, fine art, antiques, collections and other valuable possessions.
Depending on your requirements, cover may also extend to possessions away from the home, worldwide protection, alternative accommodation and specialist risks associated with higher-value properties.
Who is High Value Home Insurance for?
High Value Home Insurance may be suitable where the value, construction or contents of a property require a more specialist approach.
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Typical examples include:
High-value homes | Listed properties | Period homes | Large country homes | Properties with extensive outbuildings | Homes with valuable jewellery or watches | Fine art and antiques | Valuable collections | High specification interiors | Multiple properties | Higher-value possessions and lifestyles | Higher-than-standard contents values
If you are unsure whether specialist home insurance would be appropriate, speak to us. We can discuss your circumstances and help determine the most suitable approach.
What can High Value Home Insurance cover?
Buildings
Protection for the structure of your home, including permanent fixtures, outbuildings and other insured structures following events such as fire, flood or storm.
Worldwide All Risks Cover
Broad cover for accidental loss, damage and theft of your possessions, including jewellery, watches, art and valuables, while at home or temporarily anywhere in the world.
General Contents
Cover for furniture, furnishings, electronics and other possessions within your home, with higher limits available where standard household policies may not be sufficient.
Alternative Accommodation
​Cover for suitable alternative accommodation if insured damage makes your home uninhabitable, helping maintain an appropriate standard of living while repairs or rebuilding are completed.
Jewellery & Watches
Specialist protection for valuable jewellery, watches and precious items, with cover available both at home and, where required, away from the property.
Family Legal Expenses
Cover for certain personal legal costs and disputes, which may include employment, property, consumer and other insured legal matters, depending on the policy.
Fine Art & Antiques
Cover for paintings, sculptures, antiques and collections, with specialist insurers able to accommodate valuable and unusual items.
Home Emergency
Emergency assistance for sudden problems at your home, such as failures involving heating, plumbing, electricity or security, subject to the cover provided by the insurer.
Already insured? Send us your current policy schedule and statement of facts and we can use it as a starting point to review your existing cover and next renewal.