Home & Contents insurance

Household insurance for high-net-worth individuals

High-value home insurance is for those who have that little bit extra. Whether it's a property of significant value, unique features, or higher-value items within the home, you may need a policy that gives a higher level and value of protection than a standard home insurance policy.

Due to the unique needs of high-value homeowners and the customisation involved, high-value home insurance policies are also typically individually underwritten and tailored to the specific property and policyholder.

Unlike getting insurance direct from an insurer, all our policies are carefully worded in your favour, and our skilled in-house claims department supports you every step of the way.

We also have vast experience working with high-net-worth individuals with specific requirements that would be outside the realms of a standard policy. No request is unreasonable. 

What does High Value Home Insurance cover?

Comprehensive cover
Our ‘all risk’ cover protects you from a wide variety of scenarios. You can relax knowing that the claims process will be smooth and simple.
 

Enhanced rebuilding cover
Losing a home through damage is stressful enough without receiving a settlement that doesn’t cover the rebuilding costs.

Our specialist, independent surveyors ensure that you’ll be fully covered in a claim.

Enhanced alternative accommodation
Our alternative accommodation cover helps you to maintain the standard of living that you’re accustomed to.

If a claim forces you to relocate, we’ll cover the costs to keep you in a similar home, in the same area, until the claim is settled.

Broad trace and access cover
Escape of water claims are always a risk. But escape of water can be particularly damaging in large and second homes where it may go unnoticed for a while.

We offer enhanced trace and access cover, ensuring the problem is fixed at source.

High single-article limits
The most valuable items require the most protection. That’s why we have generous limits for luxury items, providing the cover that your prized possessions deserve.

Collections
There should be no compromise on protecting your most valuable assets. We cover many types of collections, including fine art, jewellery, and antiques.

Contents and valuables
We cover contents and valuables on an all-risk, worldwide basis to ensure that your belongings are always fully protected.