High Value Home Insurance
Specialist cover for properties valued £750,000 and above — including fine art, jewellery and high-value contents.
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High Net Worth Home Owners
Property Owners £750k+
Protecting homes worth significantly more than standard policies allow. We offer agreed value buildings cover tailored to your property's true value.
Collectors & Art Owners
Specialist cover for fine art, sculptures, antiques and collectibles. Valuables cover extends beyond standard policy limits with agreed values.
Multi-Property Owners
Portfolio protection for second homes, investment properties and holiday residences. Consolidated billing and dedicated account management.
What's Protected
Specialist cover for your high-value home, contents and lifestyle
Agreed Value Buildings
Reinstatement values agreed at outset, not limited by standard indemnity. Cover for permanent structural features, garages, pools and outbuildings.
High Value Contents
Extended limits for household items, furnishings and everyday possessions. No blanket caps on individual items or categories of cover.
Valuables & Jewellery
Dedicated cover for fine jewellery, watches, art and collectibles. Covers loss, theft and accidental damage on a specified or unspecified basis.
Personal Liability
Up to £5m protection for third-party injury and property damage claims. Essential cover for high-profile homeowners with significant exposure.
Alternative Accommodation
Full cost of temporary housing during reinstatement after a claim. No daily limit—genuine cover whilst your home is rebuilt or repaired.
Worldwide Cover
Selected covers extend globally. Travel with your valuables protected, anywhere in the world, for up to 90 days per year.
Why Choose Us?
HNW Specialists
35 years protecting premium properties. Expert brokers who understand complex high-value claims and bespoke requirements.
Chubb & Hiscox Access
Direct relationships with leading insurers. Exclusive terms unavailable on standard insurance platforms.
Valuation Guidance
We help you establish correct valuations for buildings, contents and valuables. Avoid underinsurance and failed claims.
Dedicated Claims Service
Your broker stays with you throughout the claims process. Direct line to senior adjusters, priority handling.
Frequently Asked
Everything you need to know about high value home insurance
Standard policies cap buildings cover at £1–2m and contents at £50–100k per item. High value insurance removes these artificial limits, offers agreed values instead of indemnity, and provides specialist claims handling. You're protected for what your property is genuinely worth.
You and your broker agree the full reinstatement cost of your buildings at outset. If a claim occurs, you're paid that agreed amount (less excess). There's no negotiation about valuation or depreciation—claims are settled faster and fairly.
Yes. We offer specified cover (you list items individually with agreed values) or unspecified cover (combined limit with automatic cover for new acquisitions). Both include accidental damage and cover worldwide theft or loss outside the home.
Absolutely. We arrange combined policies for second homes, investment properties and holiday residences. Single renewal date, consolidated billing, and one dedicated broker overseeing your entire portfolio.
Premiums reflect the true risk and value you're protecting. We arrange competitive quotes from Chubb, Hiscox and other specialists. Most clients find the additional cost justified given the breadth of cover and peace of mind. Get a bespoke quote today.
Ready to Protect Your Home?
Get a bespoke quote for high value home insurance tailored to your property and lifestyle. Our expert brokers will discuss your specific needs.
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