UK Insurance Companies for High-Value Home Coverage


Owning a high-value home in the UK comes with unique responsibilities and risks. These properties often feature luxury finishes, rare materials, and valuable contents that require specialized insurance coverage. Standard home insurance policies may not provide the extensive protection needed for such properties. In this blog post, we will explore some of the top UK insurance companies that offer high-value home coverage, ensuring your prized possession is well-protected.

UK Insurance Companies for High-Value Home Coverage

Why High-Value Home Insurance is Essential

High-value home insurance is designed to cover properties that exceed the limits of standard home insurance policies. This type of insurance typically includes:

  1. Higher Coverage Limits: Protects the full value of your home and its contents.
  2. Worldwide Coverage: Insures valuable items even when they are taken abroad.
  3. Enhanced Replacement Cost Coverage: Ensures your home is restored to its original condition, even if rebuilding costs exceed the insured amount.
  4. Specialized Services: Offers benefits such as risk management advice, home security consultations, and dedicated claims handlers.

Top UK Insurance Companies for High-Value Home Coverage

  1. Hiscox
    • Overview: Renowned for its comprehensive and tailored insurance policies for high-net-worth individuals.
    • Coverage: Includes buildings, contents, fine art, and antiques. Offers worldwide coverage for personal belongings and specialist support for risk management.
    • Pros: Exceptional customer service, customizable policies, and extensive coverage options.
    • Cons: Higher premiums compared to standard policies.
    • Best For: Homeowners with valuable collections and high-end properties seeking bespoke coverage.
  2. Chubb
    • Overview: Known for its high-net-worth insurance solutions, Chubb provides extensive coverage options tailored to high-value homes.
    • Coverage: Features high coverage limits for buildings and contents, unlimited rebuild costs, and extensive coverage for valuables and fine art.
    • Pros: Excellent claims service, comprehensive risk assessment, and specialized underwriting.
    • Cons: Premium pricing reflects the high level of coverage and service.
    • Best For: Those needing extensive coverage and personalized service for high-value properties.
  3. AIG Private Client Group
    • Overview: AIG offers tailored insurance solutions for high-value homes and valuable possessions.
    • Coverage: High limits for buildings and contents, worldwide coverage for personal belongings, and coverage for home enhancements like wine collections and jewelry.
    • Pros: Comprehensive risk management services, including home security assessments and art collection advice.
    • Cons: Premiums are higher than average due to the extensive coverage and services provided.
    • Best For: High-net-worth individuals seeking extensive coverage and personalized risk management services.
  4. Aviva Distinct
    • Overview: Aviva Distinct is tailored for high-net-worth clients, offering a range of specialized coverage options for high-value homes.
    • Coverage: High limits for building and contents, accidental damage cover, worldwide all-risk cover for personal possessions, and cover for second homes and holiday homes.
    • Pros: Flexible policy options, dedicated claims team, and additional benefits such as family legal protection.
    • Cons: Premium pricing, reflecting the comprehensive coverage.
    • Best For: Those with multiple properties and high-value contents seeking flexible and extensive insurance coverage.
  5. NFU Mutual Bespoke
    • Overview: NFU Mutual offers bespoke insurance solutions for high-value homes and estates, with a focus on personalized service.
    • Coverage: Includes high limits for buildings and contents, cover for fine art, antiques, and jewelry, as well as liability cover and home emergency assistance.
    • Pros: Personalized service, high levels of cover, and additional benefits like annual home health checks.
    • Cons: May have higher premiums compared to standard policies.
    • Best For: Homeowners seeking a personalized insurance experience with extensive coverage for high-value properties.

Tips for Choosing High-Value Home Insurance

  1. Assess Your Needs: Determine the value of your home and its contents to ensure you get adequate coverage.
  2. Compare Policies: Look at different insurers and their coverage options to find the best fit for your needs.
  3. Consider Additional Coverage: Evaluate if you need add-ons like legal protection, home emergency cover, or coverage for valuable collections.
  4. Check for Exclusions: Understand what is not covered by the policy to avoid any surprises during a claim.
  5. Seek Professional Advice: Consult with an insurance broker or financial advisor who specializes in high-value properties to get tailored advice.

Does house insurance cover jewelry?

House insurance, also known as homeowners insurance, typically covers jewelry, but with some limitations:

  • Standard Coverage: Yes, jewelry is included in your personal property coverage, but there’s usually a low dollar amount limit on how much they’ll pay out, often around $1,500. This might not be enough for valuable pieces.
  • Theft Coverage: The insurance will cover theft of jewelry, but again, only up to the policy limit.

Here’s why the limits exist: Jewelry is both valuable and easy to steal, so insurance companies cap coverage amounts to manage their risk.

If your jewelry is worth more than the standard limits, you have options:

  • Increase Coverage Limits: You might be able to raise the personal property coverage limit on your homeowners insurance policy for an additional cost.
  • Scheduled Personal Property Coverage: This is an endorsement you can add to your policy that provides additional coverage for specific valuables, often with higher limits and sometimes covering accidental loss.
  • Separate Jewelry Insurance: For truly expensive pieces, consider a standalone jewelry insurance policy from a specialty insurer. This can provide the most comprehensive coverage.

How to insure high value items?

There are a few steps you can take to insure your high-value items properly:

  • Understand your current policy: First, check your existing homeowner’s or renter’s insurance policy to see what it covers and what the limits are for valuables. Standard policies often have a limit on how much they will pay out for a single item. [insurance for high value items ON Bankrate bankrate.com]
  • Get your items appraised: For expensive items like jewelry or art, it’s important to get a professional appraisal to determine their current value. This will help you get the right amount of coverage and ensure a proper payout in case of a claim.
  • Create a home inventory: Having a detailed home inventory is essential for any insurance claim, but especially for valuables. Document your items with photos, receipts, and descriptions. There are even phone apps that can help you do this easily.
  • Increase your coverage: If your standard policy doesn’t cover the value of your items, you can usually purchase an endorsement or floater to increase your coverage limits for specific categories of valuables like jewelry, art, or collectibles.
  • Consider specialty insurance: For truly high-value items or collections, you might want to consider getting a separate insurance policy from a specialty insurer. These companies can provide more comprehensive coverage tailored to your specific needs.

By following these steps, you can ensure that your valuable possessions are adequately protected in case of theft, loss, or damage.



Protecting a high-value home requires specialized insurance that goes beyond standard policies. The UK insurance companies listed above are known for their expertise in providing comprehensive coverage tailored to the needs of high-net-worth homeowners. By carefully selecting a provider that offers the right level of protection and personalized service, you can ensure your valuable property is well-protected, giving you peace of mind and allowing you to enjoy your home to the fullest.


Do I need high-value home insurance?

This depends on the value of your home and belongings. Standard policies might not cover the rebuilding cost of a high-value property or the full value of expensive possessions.

How much does high-value home insurance cost?

Premiums will vary depending on factors like the value of your home and contents, your location, and your claims history. Expect to pay more than a standard policy.


What are some UK insurance companies offering high-value home coverage?

Several UK insurers offer high-value home coverage, including:

  • Aviva
  • AXA
  • Hiscox
  • Lloyds Bank
  • Chubb

It’s important to compare quotes from multiple insurers to find the best deal.

What information do I need to get a quote?

Be prepared to provide details like:

  • The rebuild cost of your home
  • The value of your belongings
  • Security features in your home
  • Any claims history

What are “single item limits” and how do they affect me?

These are limits on the payout for a single valuable item. For high-value items exceeding the limit (often around £1,000), you might need to declare them separately with additional coverage.


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