What is high-value home insurance?
High-value home insurance, commonly known as high-net-worth (HNW) home insurance, is a specialist policy that protects your valuables and high-value home from loss or damage.
It provides higher upper limits to cover for your property and its contents than is offered on more standard home insurance policies.
If you own a significant collection of art or jewellery or you live in a higher value property, this type of cover helps ensure you receive the protection you need.
Do I need high-value home insurance?
If you find your home or its contents are worth more than the maximum limits offered by a standard insurance policy – usually £75,000 for contents or £1,000,000 for buildings insurance – you’ll likely need high-value home insurance.
You might need this type of cover if your home is a:
- Listed building
- Property worth more than £1,000,000
- Large house with more than five bedrooms
Get a High-Value Home and Contents Insurance Quote
For contents cover, you’ll likely need high-value household insurance if you have contents worth more than £75,000 or own a collection of valuable items, including:
- Antiques
- Fine art
- Jewellery and watches
- Collectables and memorabilia
- Premium appliances
- Sound systems, TV and tech
- Family heirlooms
- Antique furniture
- Vinyl collections
- Musical instruments
Hear what our customers say about our cover
“I have a collection of £45,500 of specified items of jewellery, in addition to my general home contents of £60,000, and this can present a problem when it comes to home insurance. I need cover for the jewellery both in the house and while away from the property, and for some insurers, this is considered too big a risk to cover. That’s why I used specialist broker Adrian Flux, which has experts dealing in high-value home contents cover, including jewellery.” – Mrs G, OL13
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Why choose Adrian Flux for luxury home insurance?
As the largest specialist insurance broker in the UK, we’re one of just a few insurance companies that offer a full range of luxury home insurance policies to owners of high-net-worth properties and their contents.
Each enquiry for high-end homes is handled by our Private Client team, ensuring you get bespoke cover built around your needs.
Some of the extra benefits we offer with our home insurance policies include:
- Cover against cybercrime claims
- Domestic assistance helpline with advice and contact details for tradespeople
- Discounts for combined buildings and contents cover
- Discounts for alarms and security systems to protect your property and high-value items
Get a High-Value Home and Contents Insurance Quote
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as 49.99 per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just 19.00 a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of 19.00.
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
FAQs
How much is premium home insurance?
The cost of your cover depends on many factors, from the value of the contents you want to cover to the rebuilding costs for your home. Other factors we take into account include where you live, whether your property’s in a high-flood-risk area, and more. Rest assured that we help you source cover to suit your budget.
We know that if you’re a homeowner with a high-end property or contents, you’ll probably have experienced problems getting cover at a reasonable price. Our UK-based team of household insurance experts work with you to find you a policy that gives you peace of mind, all at a price you’ll love.
With over [[ FLUX_EXPERIENCE ]] years of experience covering all types of homes and building relationships with dozens of insurers, we’re often able to find you deals you can’t find elsewhere.
How do I value my contents?
The best way to do this is to make a list of your possessions and how much they would cost to replace. You might want to tackle each room separately for ease. Make sure you list any belongings worth over £5,000 each so these can be added to your policy separately. Don’t forget items in lofts and outbuildings.
Are my valuables covered if I take them out of my house?
This isn’t included as standard. Let us know if you’re planning on taking your possessions out of the house, as they’ll need to be covered for this.
Can I get insurance for multiple luxury homes?
Yes, speak with us directly if you own a portfolio of properties so we can help you get the best policies for your needs.