High Value Home Insurance: Building and Contents Coverage

So you can stop worrying about being underinsured

High Value Home Insurance: Building and Contents Coverage

Make sure you’re never underinsured with our high-value home insurance for properties over £750,000, with contents exceeding £150,000. Perfect for high net worth individuals to protect luxury homes and possessions.

Insurance and reassurance this way

What is High-Value Home and Contents Insurance?

We know you don’t have time to mess around. So we’re always upfront about minimum premiums. Our high value home and contents insurance is for properties over £750,000, with contents over £150,000.

You can also use high value contents insurance to insure a single item or large collections of jewellery, fine art or antiques. Each policy is underwritten separately so it’s flexible with fewer exclusions. We offer higher limits so you have enough cover for all your valuable possessions, so you’re not restricted by policy limits. And we only work with insurers who put you first.

“We’ll identify risks to your property and possessions before presenting them in the best possible light to insurers. As well as arranging the policy, we can source up-to-date valuations and give you advice on how to reduce risk. And we’re here 24/7 for support with making a claim.”
– Carl Sharp, High-Value Home and Contents Insurance specialist

Excellent from 832 reviews

High Value vs Standard Home Insurance: What’s the difference?

When it comes to insuring your home, a standard policy may not cover everything you need for a high value property. High Value Home Insurance is for homes with high rebuild costs, valuable contents or unique features that fall outside standard policies.

Here’s how they compare.

Talk To An Expert

Higher Sums Insured
Standard policies cap buildings, contents and valuables. High value insurance covers your home and belongings fully.
Cover for Non-Standard or Listed Properties
High value policies are designed for unusual construction types and heritage homes.
Flexible Cover for Multiple Properties
Add second homes or overseas residences to one policy.
Worldwide Protection for Valuables
Global cover for jewellery and personal belongings without short term limits.
Warranty-Free Cover
Unlike standard policies, high value cover doesn’t penalise you for not setting alarms or locking doors.
Legal & Emergency Cover Included
Legal expenses and home emergency cover is often included as standard.
Streamlined Claims Support
Choose your own contractors and enjoy a no-quibble claims process.
Expert Advice via Brokers
These policies are broker only so you get tailored advice and hands on claims support.

Want insurance that pays even if you forget to set your alarm?

Alternatively, give us a call on: 0118 916 5480

How High-Value Home and Contents insurance protects you

Fewer restrictions. No-quibble claims. Cover that crosses continents. High-Value Home and Contents Insurance protects all your assets with a single policy. And gives you cover that standard home insurance can’t.

Warranty-free policies
if you forget to set your alarm or lock your door, you’ll still be covered.
Bespoke buildings and contents insurance
Worldwide, unlimited value cover for the contents of your home(s) and alternative accommodation on a par with your property.
Wider scope of cover
Your policy can include second homes, holiday homes, rental properties, cars and yachts.
Higher single item limits
You only have to specify items of jewellery over £10,000 and fine art or antiques over £25,000.
Simplified claims process
Insure valuable items on an agreed-value basis, so there are no settlement negotiations if you have to make a claim.

Why you should consider High-Value Home and Contents Insurance

1 in 5 homes in the UK is thought to be underinsured. Wealthier homeowners are more likely to be at risk, but most don’t realise until they make a claim.
Changes to the value of jewellery, art and antiques can create a significant shortfall in your contents cover.
All your assets can be covered by a single policy with one renewal date, making life a lot easier.
Modern timber and glass residences often fall outside standard household policies so it’s worth considering specialist Huf Haus insurance.