High Net Worth Home Insurance
Bespoke protection for exceptional homes — tailored buildings, contents, and valuables cover with dedicated claims handling and worldwide all-risks options.
Comprehensive Cover for Distinctive Properties
Standard home insurance often falls short for high-value properties. Our specialist policies are underwritten on a bespoke basis, providing the breadth of cover your home and possessions deserve.
Buildings Insurance
Full rebuild cover including demolition and site clearance, architects' and surveyors' fees, and compliance with local authority requirements. Policies are tailored to non-standard construction, listed buildings, and properties with extensive grounds.
General Contents
Contents cover from £100,000 upwards on a new-for-old basis. Protection extends to furniture, furnishings, household equipment, and personal effects — with no single-item limits that leave expensive pieces underinsured.
Valuables & Fine Art
Jewellery, watches, art, antiques, and collectibles covered worldwide on an all-risks, agreed-value basis. Items are individually scheduled so you receive the full insured amount in the event of a loss, with no deductions for wear or depreciation.
Homeowner Liability
Protection against legal liability for accidental injury to visitors or damage to their property whilst on your premises. Cover typically extends to £5 million or more, with higher limits available on request.
Legal Expenses
Access to legal support for property disputes, planning disagreements, contract issues, and personal injury claims. Cover provides funding for solicitors' fees and court costs, reducing the financial risk of legal proceedings.
24-Hour Home Emergency
Round-the-clock access to emergency assistance for burst pipes, boiler breakdowns, electrical failures, lost keys, and pest infestations. Approved contractors are dispatched promptly to minimise damage and disruption.
Why Choose Specialist High Net Worth Cover?
High-value homes require more than a scaled-up standard policy. Here is how bespoke cover differs from off-the-shelf alternatives.
Bespoke Underwriting
Every policy is individually assessed rather than algorithm-driven. Underwriters consider your property's unique characteristics, your lifestyle, and your specific requirements — resulting in cover that fits precisely, without unnecessary exclusions or gaps.
Higher Limits & All-Risks Cover
Standard policies impose caps on valuables, single-item limits, and restrictive conditions. High net worth policies offer significantly higher limits, worldwide all-risks protection, and accidental damage as standard — not as a costly add-on.
Dedicated Claims Handling
Claims are managed by experienced specialists who understand high-value properties and possessions. You deal with a named handler from start to finish, with access to approved restorers, craftsmen, and loss adjusters who appreciate the quality of your home.
Guaranteed Rebuild
In the event of a total loss, your insurer guarantees to rebuild your property to its original specification, even if the cost exceeds the sum insured. This removes the risk of underinsurance and provides genuine peace of mind.
Optional Extensions
Build a complete insurance programme around your lifestyle with these additional covers, all managed under a single policy or portfolio.
Worldwide Travel
Annual multi-trip cover with enhanced medical limits, cancellation protection, and cover for high-value personal effects abroad — seamlessly integrated with your home insurance.
High-Value Motor
Specialist motor insurance for prestige, performance, and classic vehicles. Agreed-value settlements, approved repairer networks, and courtesy car provision appropriate to your vehicle.
Holiday Homes
Cover for second homes and holiday properties in the UK and overseas, including periods of unoccupancy, rental income protection, and local liability requirements.
Frequently asked questions
How often should I have my property and contents valued?
We recommend a professional valuation every 3 to 5 years, or sooner if you carry out significant renovations, acquire high-value items, or notice substantial changes in rebuild costs. Regular valuations ensure your sums insured remain accurate and prevent underinsurance, which could reduce any claim settlement.
What factors affect the cost of high net worth home insurance?
Premiums are influenced by the property's rebuild value, location, construction type, security measures, total contents and valuables sums insured, claims history, and whether you require additional covers such as worldwide travel or holiday home insurance. Bespoke underwriting means each policy is tailored, so costs vary significantly.
What qualifies a property as high net worth?
Generally, a property with a rebuild cost exceeding £750,000, six or more bedrooms, or contents valued above £100,000 would be considered high net worth. If your home has unique architectural features, listed building status, or non-standard construction, specialist high net worth cover is usually the most appropriate option.
Does high net worth home insurance cover items outside the home?
Yes. Valuables such as jewellery, watches, and art can be covered on an all-risks basis worldwide, meaning they are protected whether at home, travelling, or at another location. Specific items are typically listed and individually agreed with insurers to ensure full replacement value.
Get the right cover
Speak to one of our expert brokers for a free, no-obligation quote.