We offer outstanding cover for your home and everything in it, with worldwide cover for contents and valuables.

We can protect your collections; from works of art and jewellery to unusual memorabilia, whatever they may be.

What is high value home insurance?

High value home insurance is specialist cover for those who own high-value properties with valuable contents.  It protects the property and everything in it, offering broad, all risks coverage and no onerous warranties. A wide spectrum of properties can be covered, from traditional terraced houses to listed buildings.

Cover is provided for buildings, contents, valuable articles and liability. We can also include high value motor and travel insurance, bringing a range of personal insurance products under one policy.

Standard home insurance policies may not adequately cover your home and contents because they usually have a limit on the amount of cover they can provide and include restrictive conditions and warranties. Private Client home insurance offers the breadth of cover and underwriting flexibility you need to give you the peace of mind that your home and possessions are fully protected.

What does high value home insurance cover?

We believe that no one cares more about looking after your home than you, so our high-value home insurance policy covers a broad range of eventualities, without numerous terms and conditions that could impact how you live your life.

It includes the following:

Worldwide cover: 

We provide cover for your contents and valuable possessions anywhere in the world.

Unlimited cover:

Following an appraisal, we provide unlimited reinstatement cover for your property and specified outbuildings.

Valuable possessions:

We provide agreed value for your most treasured possessions.  That means that for specific items we will agree, up front, an amount that will be paid in the event of a claim.

Multiple locations:

We can cover multiple residences, in the UK and Europe, on the same policy with the convenience of one renewal date.

Your privacy:

We automatically include cover against cyber threats like online fraud, breach of personal information, or home system attacks.

Who needs high value home insurance?

If you own high-value properties with valuable contents, then high net worth home insurance is something you should consider, as standard home insurance policies may prove too restrictive for your needs.

This is especially true if you own multiple properties in the UK or abroad and would like to cover a number of high-value homes and possessions.

A breakdown of what we cover is outlined in the ‘What does high value home insurance cover?’ section above, but typically the following homes may not be eligible for standard home insurance policies and would therefore require high net worth home insurance:

• Homes valued at over a £1,000,000 rebuild value.
• Listed buildings.
• Homes built using non-standard materials.

How do I find the right cover?

For individuals

If you’re interested in our Private Client home insurance policy then please review the information above, and contact a member of our team. You can find our contact details below.

For brokers

If you would like more information and an in-depth chat on our flexible high-value home insurance policy that is unique to your client, please contact a member of the Private Client team. You can find our contact details below.