Find the right high-value home insurance to protect your property and valuables.
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
Enter your details
Get personalised quotes in minutes by providing a few home details.
Find home insurance that's right for you by exploring our best deals.
Apply and Save
Start saving money and apply with your chosen provider.
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.
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.
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
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.
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:
Check your policy, as it might include further exclusions.
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.
When selecting a policy, consider the following three questions:
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.
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.
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.
Most standard policies can cover buildings up to £1,000,000 and your contents up to £100,000. If you need greater cover, consider high-net-worth insurance.
Yes, many policies offer cover for listed buildings. High-value policies can be particularly useful because listed properties can be expensive to repair and often have high rebuild values.
Most high-net-worth policies cover your belongings abroad but do check the terms and conditions before you buy.
Most insurers ask that your most expensive items – for example, those worth over £10,000 – are professionally valued.
Some insurers offer high-net-worth portfolio policies that cover several properties at once. An insurance broker could help you find a portfolio policy.
Compare quotes to protect your home with the right cover.
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.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 7 May 2022