High Value Home Insurance

High value home insurance is designed specifically for people with property and possessions over a significant value.

Specialised high value property insurance providers usually offer buildings insurance for homes with a rebuild value over around £350,000. On top of the usual cover against events such as fire, flood and storm, specialised companies tend to offer accidental damage cover as part of the standard insurance policy.

These specialised companies also offer contents insurance separately for people with personal possessions of a value of over around £100,000. There is the opportunity to insure a variety of different of possessions, and once again, accidental damage is more often that not included as part of the standard policy for high value home insurance plans. The majority of companies also extend their contents insurance policy, making them valid anywhere in the world.

High value home insurers also usually provide cover for jewellery, fine arts and antiques against loss or damage, either accidental or otherwise. The cover will usually pay out for any restoration work and for the subsequent loss in value that the damage has most likely to have caused.

Many of the specialised companies pride themselves on extra levels of both protection and customer service. High value home insurance policies tend to be tailor made for the individual customer, taking into account their lifestyle and personal requirements.

In terms of further optional add-ons, there is usually the opportunity to cover outdoor items such as ornaments and statues.

Discounted high value home insurance premiums may be obtained by purchasing your policy online, depending on which insurance provider you go with. It is not just specialised insurers who provide cover for high value homes; the majority of the UK’s leading insurers will insure high value homes.