We offer outstanding cover for your home and everything in it, wherever they may be in the world.

We can protect your collections; from priceless works of art 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 from a range of potential risks, including but not limited to theft, damage and cyber threats. Coverage extends to all sorts of properties from traditional terraced houses to listed buildings.

The cover is normally split into two components: buildings insurance and contents insurance.

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. Therefore, private client home insurance offers you both the breadth and flexibility you need to protect your home(s) and give you peace of mind.

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 onerous conditions.

It includes the following:

Worldwide cover: 

We provide worldwide 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 we will agree an amount that will be paid in the event of a claim at the outset.  For example, works of arts, collections or memorabilia to name a few.

Multiple locations:

We can cover multiple residences, whether in the UK or abroad, on the same policy as your main home 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 then contact the private client 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 the private client team. You can find our contact details below.