High value home insurance

Prestige home insurance

Why do you need a high value home insurance specialist?

Are you aware of the true value of your home? Are you confident you know the cost of a full rebuild, or the cost of replacing all your belongings?

Property underinsurance is a common problem. Total rebuild costs are often overlooked, leaving many high-value items without cover under “one-size-fits-all” insurance policies. Our prestige home insurance offers more.

  • Not just bricks and mortar
    High value home insurance cover can extend to assets including first and second homes, contents including fine art, antiques, jewellery, collectables, even yachts and pleasure craft.
  • Around the world
    We can design cover that moves with you, protecting you and your assets all over the world as you move from place to place.  
  • Reporting the damage
    Making a claim is the ultimate moment of truth. Providing a proactive, reassuring claims service is an absolute priority for us.

How our prestige home insurance experts can help

Our approach involves a detailed assessment of your high value home and assets, establishing cover requirements tailored to your precise needs.

We work with you to develop comprehensive high value home insurance complete with relevant and valuable additional services that offer real benefits. 

We would love to hear from you, get in touch today

Mark Perkins, Private Clients Director

What can high value home insurance include?

  • Worldwide ‘all risks’
    Cover for your possessions with no deduction for wear and tear, even on clothing
  • Fine art cover
    Protecting these valuable assets including depreciation in value following a covered loss, death of artist and defective title cover
  • Identity fraud protection
    Helping to cover the cost of reinstating your credit status following fraudulent activity
  • Family protection
    Including carjacking, stalking threats and home invasion
  • Student possessions
    Covered whilst away from the family home
  • Worldwide annual travel
    With high cancellation limits for those luxury trips abroad 
  • Legal expenses
    For family members
  • High single article limits
    For valuables reducing the need for expensive valuations
  • Second homes
    We can include all your properties under one insurance policy

Personal dedicated service

Each of our clients and their families have their own dedicated Client Executive looking after them. As our clients' needs change and develop, so do their policies.

We work with a variety of insurers, risk management and security consultants to identify the best ways to improve the protection afforded to our clients' most valuable assets. This means we can provide an impartial solution that works.

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Prestige car insurance

When purchasing a performance car, considering the engine size, model and interior are some of the first priorities. But, one of the biggest challenges can be finding suitable insurance. Standard insurance cover often falls short when premium or classic vehicles are involved.

Combined policies

As well as combining multiple property policies into one easy to manage renewal date, we can also combine prestige car insurance policies to one policy with one renewal date for home and car. 

Renovation insurance

Renovation insurance

Planning an extension or home renovation? Don't forget to tell your insurers before any work commences or they could decline any claims that may arise. Your home insurance policy will detail the limits of acceptable works that they can cover within your existing policy. In many cases, the best approach may be to arrange a relevant renovation insurance package to cover your home and the building works for the duration of the project. 

Yacht insurance

Yacht insurance

When you enjoy a specialist leisure pursuit such as sailing, you deserve the support of a partner who can arrange the most appropriate yacht insurance for you to offer protection both on and off the water.

Holiday Home Insurance

Second home insurance

When you own a second home (or maybe multiple homes) you will want to ensure that it is as protected as your primary home. By their very nature second homes may have different risk exposures, they aren’t always occupied and they may be overseas.

Get in touch with our Private Clients insurance team

Need expert advice? Call the team now, or complete our online form and we'll call you.