Guides & Advice
Plain-English guides to high-value home insurance. We are an FCA-registered introducer, not a broker: these guides are general information, with no prices or advice.
Cover basics
What Does High-Value Home Insurance Typically Cover?
High-value home insurance can differ significantly from standard policies. Here's a general overview of what specialist cover may include.
Factors That May Affect High-Value Home Insurance
Several factors can influence high-value home insurance. Understanding them can help you have a more informed conversation with a specialist broker.
Do I Need High-Value Home Insurance?
Standard policies have limits that may not suit all properties. Here are some signs that specialist cover could be worth discussing with a broker.
Home Insurance Rebuild Cost Explained
Your rebuild cost isn't the same as your property's market value — understanding the difference is important when discussing cover with a broker.
What Is High-Value Home Insurance?
A plain-English explanation of high-value home insurance, when a property qualifies, and why the specialist market exists at all.
How Much Does High-Value Home Insurance Cost?
Nobody can quote a high-value home insurance premium without seeing the property. Here is what underwriters actually price on.
Who Insures High-Value Homes in the UK?
Most insurers writing high-value UK homes never appear on a comparison site. Here is how that market actually works.
Property types
Listed Building Insurance: What You Should Know
Owning a listed building comes with unique insurance considerations. Here's what you should know before speaking to a specialist broker.
Thatched Property Insurance: What Owners Should Know
Thatched homes are a specialist risk. Here is what insurers usually ask about and why mainstream cover can fall short.
Insuring Period Properties: Georgian, Victorian and Older Homes
Older homes bring traditional construction, original features and higher rebuild costs. Here is what that can mean for cover.
Second Home and Holiday Home Insurance: A Plain-English Guide
Homes that sit empty for part of the year are viewed differently by insurers. Here is what usually matters.
Unoccupied Home Insurance for High-Value Properties
Most policies change once a home has been empty for a set period. Here is what owners should check.
Non-Standard Construction Homes: Timber Frame, Steel and More
Contemporary and unusual builds often fall outside mainstream insurers' appetite. Here is why.
Insuring a High-Value Home During Renovation or Extension
Building work changes the risk to your home. Here is what owners commonly need to tell their insurer.
Country Houses and Estates: Insuring Land, Outbuildings and Staff
Larger rural properties bring outbuildings, land and staff. Here is what specialist policies typically consider.
Insuring Several Homes: Multi-Property Policies Explained
Owners of more than one home sometimes prefer a single policy. Here is how that generally works.
Valuables
Insuring Jewellery, Watches and Fine Art at Home
Jewellery, watches and art are where standard contents cover most often falls short. Here is how specialist policies handle them.
Fine Art at Home: How It Is Usually Insured
Art collections need accurate valuations and the right basis of cover. Here is a general overview.
Insuring Luxury Watches: Home, Travel and Collections
A single watch can exceed a standard policy's item limit. Here is how specialist cover generally handles watches.
Wine Collection Insurance: Cellars, Storage and Valuation
Wine collections bring unique risks, from temperature failure to breakage. Here is a general overview.
Antiques and Collections: Insuring Them at Home
Collections can be hard to value and replace. Here is how specialist policies generally treat them.
Jewellery Insurance at Home: A Plain-English Guide
Jewellery is the most common reason contents cover falls short. Here is how specialist policies generally handle it.
Engagement and Wedding Ring Insurance: What to Know
Rings are worn every day, which brings particular risks. Here is how cover generally works.
Inherited Jewellery and Heirlooms: Insuring Them Properly
Inherited pieces are often uninsured or under-valued. Here is what owners commonly consider.
Insuring a Watch Collection: Collectors' Guide
Collectors with several watches face questions about market values, storage and servicing. Here is an overview.
Sculpture, Contemporary and Modern Art at Home
Large, fragile or outdoor works bring specific insurance questions. Here is a general overview.
Insuring Silver and Silverware at Home
Silver is a frequent target for theft and can be hard to value. Here is what owners commonly consider.
Antique Furniture and Clocks: Insuring Them at Home
Antique furniture and clocks can be costly to restore. Here is how specialist cover generally treats them.
Designer Handbags and Luxury Goods: How They Are Insured
Luxury bags and accessories can exceed standard item limits. Here is a general overview.
Fine and Rare Musical Instruments at Home
Rare instruments need accurate valuations and the right cover for travel and use. Here is an overview.
Valuations for Insurance Explained
Insurers often ask for valuations for jewellery, watches, art and antiques. Here is what that means.
Safes, Alarms and Security for Valuables at Home
Security often shapes how valuables can be insured. Here is what insurers commonly ask about.
Valuables Away From Home: Travel and Worldwide Cover
Most losses of valuables happen outside the home. Here is how cover away from home generally works.
How it works
How to Prepare Before Speaking to a High-Value Home Insurance Broker
Speaking to a specialist broker? Here are some practical tips to help you prepare and make the most of the conversation.
How High Value Home Quote Works
We are a free introduction service, not a broker. Here is exactly what happens after you enquire.
What Is an Insurance Introducer (and How Is It Different From a Broker)?
Introducers, brokers and insurers each play a different role. Here is how they fit together.
What to Expect When a Specialist Broker Contacts You
A short guide to the first conversation with a specialist broker, so you can be prepared.
Reviewing High-Value Home Insurance at Renewal
Renewal is the natural time to check your cover still reflects your home. Here is what owners commonly review.
Glossary & FAQs
High-Value Home Insurance Glossary: Key Terms Explained
Plain-English definitions of the terms you will hear when arranging high-value home cover.
High-Value Home Insurance: Frequently Asked Questions
Short, factual answers to the questions homeowners ask most often.