High-Value Home Insurance needn’t be complicated. As a private client insurance broker, our experienced team provides a straightforward, professional service and is dedicated to putting the right policies in place. We’ll search the market so you don’t have to.

    • Policies tailored to your needs
    • High-Value Contents Insurance available as a standalone policy
    • Dedicated Private Clients team
    • Cover for valuables away from home
    • Efficient claims service
Why choose One Broker for High-Value Home Insurance?

We are experienced High-Value Home Insurance brokers. We understand that your home and insurance requirements are unique and unlikely to be covered by off-the-shelf policies. 

We’ll work with you to define appropriate levels of cover for your buildings and contents, ensuring that valuable items are protected against theft, loss or damage. We can even include gardens, outbuildings and sculptures in your policy. 

Not only that, but our High-Net-Worth Home Insurance team can also provide advice on arranging valuations, security surveys and other forms of home protection, such as safes. 

And, if you do need to make a claim, we’ll be on hand to help, guiding you through the process and liaising with the insurer so you get the best outcome possible.

What is covered by High-Value House Insurance?

Every Premium Home Insurance policy is different because they’re tailored to your needs. However, they typically include:

  • Buildings: To repair or rebuild the fabric of the building
  • Contents: Protection for household items, valuables and collectables
  • Gardens: For landscaping or items in the garden
  • Alternative accommodation: In case your home becomes uninhabitable
  • Ongoing support and advice

In some cases we can also arrange for a cash settlement in the event of a claim, rather than a repair or replacement, so you have flexible options.

Plus, we can add a policy to cover the cost of counselling in the event of a burglary, so you and your family can get back on your feet as soon as possible. 

What is a high-value home?

The definition of ‘high value’ may vary, but it’s typically anything with a high rebuild value. For instance, a large home may fit into this category because the cost of materials and labour involved in repairing or rebuilding the property will be high. 

However, smaller properties may also be classed as high value. For instance, if they’re of unusual construction or listed. Again, the cost of materials and specialist labour may mean the cost to rebuild is high.

If second, or holiday, homes fall into this category, we can help you with this too. 

If you’re unsure whether your home is high value, our friendly team is happy to help. Simply give us a call on 01223 792265 to discuss your needs.

Do I need High-Value Home Insurance?

High-Value House Insurance is tailored to protect extra special properties and their contents.

Because of the higher risks involved, insurance for high-value homes tends to have higher premiums. However, if you have a high-value home or valuable contents, it is important to weigh up how much financial protection you need. If the worst was to happen and your prized home needed to be rebuilt, or your valuable jewellery collection was stolen, it could be devastating to find out that your regular Home Insurance policy doesn’t offer enough cover.

What is covered by High-Value Contents Insurance?

High-Value Contents Insurance provides cover for possessions kept at home, although many policies will also extend this cover to anywhere in the world. 

Policies typically provide protection for contents up to a value of £50,000, with individual watches and jewellery covered up to a value of £25,000. Valuables worth more than these thresholds can of course also be included but these will need a professional valuation. 

I have an art collection. Can you arrange insurance for this?

Yes, we can arrange insurance for many types of collections, including art. You may need to arrange a valuation for the collection to make sure you get the right level of cover, but we will discuss this with you when arranging a quote. 

In many cases, we can even put an agreed value policy in place, which helps to protect against underinsurance.

Can you provide High Value Contents Insurance even though my property isn’t high value?

Yes. High-Value Contents Insurance typically covers individual jewellery items up to the value of £25,000 and other contents (including fine art) up to the value of £50,000. If you take these items out of the house (for instance, jewellery and watches), we can add cover for this too. We can also provide cover for items that exceed these value thresholds, provided professional valuations are given. 

How do claims work for High-Value House Insurance?

We have a dedicated in-house Claims team, which is committed to providing an outstanding service with all the support you need. 

We know that making a claim can be stressful, particularly if you’re making one on your High-Value House Insurance. We therefore aim to acknowledge your claim within 24 hours (if not sooner) and answer the phone in just 3 rings. Our experienced team will also keep you updated throughout, providing you with support and guidance to help you get a successful outcome.

To make a claim, simply give us a call or send us an email and we will get the process started.

My home isn’t high-value. Can you help?

Yes. Visit our Home Insurance page to find out more.