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What is high-value home insurance?

High-value home insurance – also called high-net-worth home insurance – is a specialist type of insurance designed for people with valuable homes and possessions. It’s ideal for anyone fortunate enough to own assets and a lifestyle that requires extra levels of protection.

High-net-worth insurance can give you home cover levels that are much higher than those offered by most standard policies. With the right policy you could claim for all your belongings, and you’ll be given more cover per item, too.

How to find high-value home insurance

What is the difference between standard home insurance and high-value home insurance?

Regular home insurance covers your home and contents for a range of disastrous situations like fire, theft, accidental damage, water damage and lightning strikes. 

High-value home insurance usually goes further and covers all kinds of risks – even damage caused by your pet – as well as protecting more valuable items and properties.

What does high-net-worth home insurance cover?

The specifics of high-value home insurance vary from policy to policy.

Generally, high-value house insurance includes:

  • Buildings insurance: some high-net-worth home insurance policies can offer unlimited cover, or limits of up to £12 million. Always check how much each insurer and policy offers 

  • Contents insurance: high-net-worth insurance policies can offer cover limits of £250,000 or more for your contents. Some even offer unlimited contents cover

  • Valuables cover: high-value contents insurance usually includes increased limits for valuables like jewellery, watches, art or antiques. Some policies offer unlimited cover. Check your policy to see if there’s a single-item limit. On a regular contents insurance policy, this could range from £1,000 to £2,500. On a high-value home insurance policy, this could rise to around £5,000 or more. Be sure to list your expensive items when you take out a policy

What extra benefits could I get?

Some high-value home insurance policies offer:

  • worldwide cover for your contents as standard

  • access to services like security safe installers, legal advisers or leak detection equipment

  • cover for non-standard properties, like homes with more than six bedrooms

  • specialist fine art cover, including help with valuations

  • liabilities cover for household employees such as chefs

  • new-for-old cover as standard

You may also be able to get the following as add-ons to your policy:

  • small craft, pleasure boat or motor yacht cover

  • second home cover

  • overseas second home cover

  • motor home cover

  • family protection cover

  • cyber insurance cover

Talk to your insurer to find out if it can meet your needs.

Is anything excluded from high-value home insurance?

High-value insurance covers your possessions and property against most eventualities, but every insurance policy comes with certain exclusions.

Commonly, high-value policies won’t protect you against:

  • nuclear hazards

  • war

  • terrorism

  • faulty workmanship

Check your policy, as it might include further exclusions.

How much cover do I need?

Make sure you have enough cover to replace everything in your home if the worst happens, which means properly valuing your belongings.

Spend some time going from room to room, listing everything of value. As you go, work out how much it would cost to replace it all. It’s especially important to list items worth more than £1,000. 

Although your valuation doesn’t need to be exact, a rough estimate like this will help ensure you have enough cover in place. Be aware that your insurer may ask that some items – particularly those worth more than £10,000 - are officially appraised by a professional. 

It’s also a good idea to take photographs of your possessions as evidence in case your insurer asks for it.

If you buy more goods after taking out your policy, or if an item like a piece of fine art rises in value, contact your insurer to let them know. Repeat your valuation process regularly, as you may need to increase your cover.

How to get the right high-value home insurance policy

When selecting a policy, consider the following three questions:

Do you need high-net-worth home insurance?

If the rebuild value of your property is less than £1,000,000 and you need less than £200,000 contents cover, a standard home insurance policy may offer better value.

What do you need to cover?

Look for the policy that offers you the protection you need. For example, if you own a collection of fine art, you should opt for a policy that offers specialist cover for this.

Have you compared policies?

Once you have identified the high-net-worth insurance policies that offer the type and level of cover that you need, you should compare them by price to find the best deal that works for you.

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By comparing home insurance, you could save money on the policy. The best value Home insurance will offer the cover to your home and content. Choose a cover plan from the best UK home insurance companies and see the online discounts they offer.

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Last updated: 7 May 2022