High Value Household Insurance
Your home is more than a building — it’s a reflection of your lifestyle, achievements and personal story. Standard home insurance often falls short when it comes to protecting high-value properties and significant possessions.
Our High Value Household Insurance is designed specifically for homeowners with substantial properties, valuable contents, and multiple residences — whether in the UK or abroad.
Tailored Cover for Exceptional Homes
We arrange comprehensive insurance solutions for:
✦ UK residences
✦ Listed and heritage properties
✦ Country estates and manor houses
✦ Holiday homes and second homes
✦ Overseas properties in Europe and worldwide
Every policy is underwritten to reflect the true value of your property and lifestyle.
What Our Policies Cover
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Buildings Insurance
Contents Insurance
Fine Art, Antiques
& Collectibles
Wine Collections
Jewellery & Watches
Secondary Homes – UK & Overseas
Owning more than one property brings additional considerations. Whether your second home is:
✦ A countryside retreat in the UK
✦ A city centre location
✦ A villa in Spain
✦ An apartment in France
✦ A holiday property elsewhere overseas
We can arrange cover tailored to:
✦ Unoccupied periods
✦ Letting arrangements (where applicable)
✦ Local compliance requirements
✦ Overseas liability exposures
Multi-property portfolios can often be insured under one coordinated solution for simplicity and efficiency.
Personal Liability & Legal Protection
High net worth households face greater exposure to liability claims. Our policies can include:
✦ Property owners’ liability
✦ Personal liability (UK and worldwide)
✦ Employers’ liability for domestic staff
✦ Legal expenses protection
Additional Lifestyle Extensions
Cover can be extended to suit your lifestyle, including:
✦ Home offices and business equipment
✦ Wine collections
✦ High-value bicycles
✦ Private staff quarters
✦ Garden machinery and outdoor features
✦ Cyber protection (subject to insurer availability)
Why Choose a Specialist Policy?
Unlike standard household insurance, high value household cover offers:
✦ Higher limits and fewer restrictions
✦ Broader policy wordings
✦ Greater flexibility
✦ Dedicated claims handlers
✦ Access to specialist loss adjusters and restorers
✦ Confidential and discreet service
Discreet, Personalised Service
We understand that high value homeowners expect efficiency, discretion and expert advice. Our team works closely with market leading insurers that specialise in high net worth clientele and exposures, ensuring:
✦ Accurate property valuations
✦ Appropriate sums insured
✦ Risk management advice
✦ Seamless claims handling
