A Guide to High Net Worth Home Insurance

Whether you live in a city-centre apartment, or a country estate surrounded by land, no two homes or their contents are exactly the same.

The higher the value of your home and your possessions, the more unique challenges you will face protecting your assets. Getting the right insurance is vital to ensuring the safety of your Home and  belongings.

If a standard home insurance policy isn't enough to protect your home or your possessions within it, you may need a specialist insurance policy.


What is high net worth home insurance?

High net worth home insurance refers to a combination of insurance products designed to help protect those with high-value homes and their contents, including high value items. This can include items such as  jewellery, fine art, antiques, overseas properties, and the building itself.

Insurance for high-value homes is not the same as that of standard insurance policies. Usually, the sum of the assets’ worth will be greater than what standard policies will pay for. Therefore, it’s important to make sure you are  covering your assets adequately.  

What qualifies for high net worth home insurance?

Homes with a rebuild value of over £750,000, with a general contents sum of in excess of £100,000, or with single individual items over £10,000, could qualify for high net worth home insurance.

Often these policies cover high-value homes with unique features such as swimming pools, gyms, or large amounts of land.

If you’re unsure about whether your home and assets could be covered by high-value home insurance, speak to one of our advisers today.

How does it work and what does it cover?

Usually, high-net-worth home insurance comes as a combined buildings and high-value contents insurance package. However, these can be arranged separately and can include other types of bespoke cover to fit you and your needs.

At Higos, our cover for high net-worth homes can include:

  • Worldwide all-risks cover
  • Specific cover for fine art and antiquities
  • Specific cover for jewellery and watches
  • Warranty-free policies
  • Flexible claims settlements
  • Interest-free direct debit
  • Valuations and security surveys for your assets

Art, antiquities, jewellery, and high-end clothing are often underinsured. Many people do not realise that standard insurers are unable to provide adequate cover for items like this.

By taking a personal and tailored approach, Higos can help ensure your assets are properly covered for when the unexpected strikes.

Why should you use a chartered insurance broker when protecting your home?

With a chartered insurance broker like Higos, you can be sure to get the best service. With us at the helm of your high-value home insurance, you’ll receive:

  • Tailored expert advice to fit your individual needs
  • The most competitive quotes on the market based on your preferred cover
  • No one-size-fits-all approach: it’s all bespoke

After all, for high-value homes, it has to be Higos.

To get in touch with one of our chartered insurance brokers get in touch with your local branch today and ask about Personal Insurance for your high-value home. Or, for more information on High-Value Home Insurance, take a look at our website.

Contact us

Give us a call on 01458 270324 if you have any questions or click the 'request a callback' button.