The Ultimate Guide to High-Value Home Insurance in the UK

When it comes to protecting your most significant asset, standard home insurance may not be enough. High-value home insurance offers bespoke coverage tailored to meet the unique needs of high-net-worth individuals. This guide will help you understand everything you need to know about high-value home insurance in the UK, including costs, cover, and the best suppliers.

What is High-Value Home Insurance?

High-value home insurance is designed specifically for properties and contents that exceed the limits of standard home insurance policies. It provides extensive cover for high-value homes, which typically include valuable possessions such as art collections, jewellery, antiques, and other expensive items.

Do You Need High-Value Home Insurance?

If your home and contents are valued above the thresholds of regular insurance policies, you need high-value home insurance. This specialist household insurance ensures comprehensive protection, giving you peace of mind that your investments are safeguarded against a range of risks.

What’s Included?

High-value home insurance policies offer extensive coverage that often includes:

  • High coverage limits: Substantially higher limits for both property and contents.
  • Worldwide coverage: Protection for personal belongings anywhere in the world.
  • Accidental damage: Comprehensive cover for accidental damage to buildings and contents.
  • Legal protection: Legal expenses cover in case of disputes related to your property.
  • Specialist cover: Tailored cover for unique items such as fine art, jewellery, and antiques.

How to Value Your Home Contents

Accurately valuing your home contents is crucial for obtaining appropriate coverage. Consider professional appraisals for valuable items and keep an updated inventory. This will ensure that in the event of a claim, you can substantiate the value of your possessions.

Best High-Value Home Insurance Companies in the UK

When selecting high-value home insurance, it’s essential to choose a reputable supplier. Some of the best high-value home insurance companies in the UK include:

  • Chubb
  • Hiscox
  • NFU Mutual
  • Aviva
  • AIG

These insurers are known for their bespoke policies, high customer service standards, and comprehensive cover options.

Home Protection: What You Should Know

Home protection is more than just insuring the building. It encompasses protecting all high-value contents and ensuring that the policy covers all potential risks, including natural disasters, theft, and accidental damage.

How Do Claims Work for Specialist Home Insurance?

Claims under high-value home insurance are typically handled with a high degree of care and urgency. Insurers offer dedicated claims teams to ensure a smooth process. Detailed records and professional appraisals of high-value items can expedite the claims process.


Does This Specialist Home Insurance Cover Guest Houses?

Yes, many high-value home insurance policies offer cover for guest houses on the property. It is crucial to check the specifics with your insurer to ensure all buildings on your property are covered.

Does This Specialist Home Insurance Cover Guests’ Contents?

Some policies do provide cover for guests’ contents, but this varies by insurer. It’s important to discuss this with your insurance provider to understand the extent of the coverage offered.


High-value home insurance is an essential consideration for homeowners with significant assets. By understanding the benefits, coverage options, and how to value your contents, you can ensure that your property and possessions are comprehensively protected. Choose a reputable insurer and invest in a policy that offers bespoke protection tailored to your needs. For more information and tailored insurance solutions, visit Hayes Parsons.