If your home and belongings are worth a lot of money, you may find it difficult to find a home insurance policy that offers the cover you need.

High net worth home insurance can give you cover levels that are much higher than those offered by most policies.

This comparison includes insurance companies that offer policies that can cover your high net worth property and contents.

What does it cover?

High net worth home insurance includes:

  • Buildings insurance: Some policies can offer unlimited cover, or high limits of up to 12,000,000. This comparison shows how much each insurer will cover you for.

  • Contents insurance: High net worth policies can offer cover limits of 250,000 or more for your contents, and some offer unlimited contents cover.

  • Valuables cover: Cover usually includes higher limits for your valuables, like jewellery, and some policies offer unlimited cover. This comparison shows the what cover per valuable each insurer offers.

Some policies also offer extra benefits designed for expensive homes and contents:

  • Worldwide cover for your contents as standard

  • Access to services like security safe installers and legal advisers

  • Cover for non standard properties, e.g. homes with more than six bedrooms

  • Specialist fine art cover, including help valuing your items

How to get the right policy

You need to consider:

  1. 1.

    Do you need it? If your rebuild value is less than 1,000,000 and you need less than 200,000 contents cover you could get a better deal with standard home insurance.

  2. 2.

    What do you need it to cover? Look for the policy that offers the protection you need. For example, if you own fine art look for a policy that offers specialist cover for this.

  3. 3.

    Compare the policies that offer the cover you need using this comparison to find the best deal.

High net worth home insurance FAQs

Q

When do I need a high net worth insurance policy?

A

Most standard policies can cover buildings up to 1,000,000 and 100,000 for your contents. If you need more than this consider high net worth insurance.

Q

Can high net worth insurance cover my listed property?

A

Yes, many policies offer cover for listed buildings because they can be expensive to repair and often have high rebuild values.

Q

Will my contents be covered worldwide?

A

Most high net worth policies cover your belongings abroad, but check the terms and conditions before you buy.

Q

Do I need to value my expensive items and valuables?

A

Most insurers ask that expensive items are professionally valued, for example any single items over 10,000.

Q

Can I cover more than one property with a high net worth policy?

A

Some insurers offer high net worth portfolio policies that cover several properties at once. An insurance broker could help you find a portfolio policy.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include high net worth home insurance available from our panel of insurers and brokers. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.