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High Net Worth Home Insurance

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What the experts say...

"High Net Worth home insurance policies are highly customisable, allowing policyholders to tailor their coverage to their specific needs. This can include coverage for art collections, antiques or other high-value possessions which isn't always possible with Standard home insurance policies." - Susan Difford, Co-founder of Clean Green Compare

A Quick Start Guide to High Value Home Insurance

What is high value home insurance?

High value home insurance is simply a type of cover for those who own property that’s higher than average value. High value home insurance can provide cover for things that regular home insurance cannot i.e. high value jewellery, art and antiques.

Typically high value home insurance policies are for homes that are worth at least £500,000 and contain more than £100,000’s worth of contents.

What can I cover?

  • Your building – The building itself of course covered for structural damage and repair costs in a high value home insurance policy.
  • Contents – Your contents are also covered for theft and damage.
  • Jewellery & watches – A big benefit of high value home insurance is that you’re able to include very expensive jewellery, including watches in the policy.
  • Art & antiques – You can also cover any pieces of art and antiques you own in your policy for full peace of mind.

The benefits of getting cover online

  • Save time
  • Save money
  • Cover from specialist providers of high value home insurance
  • Highly tailored policies
  • Quick and easy claims process
  • Instant cover
  • Flexible payment methods
  • Expert advice

Ways to save money

  • Pay annually – Although it’s most common for people to pay for insurance on a monthly basis, you also have the option to pay annually. Yes, you do pay significantly more upfront but it means that you’re also able to negotiate a lower premium for your policy.
  • Secure your property – Making your property secure is a must if you want to keep the cost of your insurance down. You should ensure that any cars are securely parked (ideally in a locked garage) and that you have effective security devices installed, such as motion lighting and CCTV cameras.
  • Get multiple quotes – It might seem obvious that you should get quotes from more than one insurance provider but it’s something that a lot of people overlook to this day.

Get quotes now

Getting multiple quotes is one of the best ways you can save money on high value home insurance. There was a time when you’d have to call different insurance providers separately to get quotes but thankfully this is no longer the case.

You can get tailored quotes from a panel of high value home insurance specialists now by simply clicking the red button below. All you have to do is compare them and choose the best policy for your needs.
If you want to get quotes for a listed building or period property then you’re in the right place. By clicking the right button below, you’ll be able to have accessed to tailored quotes from a panel of specialist providers within a matter of minutes. What are you waiting for?

High Net Worth Home Insurance FAQs

What is high value insurance?

High value home insurance is a type of insurance for individuals with a high net worth. Typically ,the home being insured will be of high value and often, high value contents, such as jewellery, will also need to be covered. There are several insurance providers who provide high value home insurance in the UK.

What does high net worth home insurance cover?

High net worth insurance will typically cover the cost of repairs or a rebuild for high end homes that are worth £1M or more. High net worth insurance also comes with the option to insure very expensive possessions, including luxury cars, antiques, art pieces and jewellery.

What is considered a high value property for home insurance?

The definition of high value property can vary but typically homes that are £1 million or more are considered to be high value. The value of the contents inside the home can also significantly add to the value.

How do you insure high value items under a high net worth home insurance policy?

If you want to insure high value items in your home, there are a couple of ways to go about it. Firstly, you can up the limit on your policy for personal possessions. Another way is to get broader protection where each expensive item is insured separately. This is particularly useful for invaluable items such as rare art pieces or antiques.

What is considered a valuable item under a household insurance policy?

Items that are considered particularly high value by insurance providers include –
  • Jewellery
  • Original art pieces
  • Antiques
  • Rare coins
Basically, anything that has a very high value and would be difficult or impossible to replace. These types of items are considered high risk and therefore insuring them can cost a lot.