How to Prepare Before Speaking to a High-Value Home Insurance Broker

Getting Ready to Speak to a Specialist Broker

If you're considering high-value home insurance, preparing some key information in advance can help you have a more productive conversation with a specialist broker. Here are some practical steps you can take.

Please note: this guide is for general information only and does not constitute insurance advice. High Value Home Quote is an introducer — we connect you with FCA-regulated specialist brokers who can provide tailored advice.

1. Consider Your Security Arrangements

Before speaking to a broker, it can be helpful to note down your current security measures, such as:

• Alarm system — what type, and whether it's monitored
• CCTV — any camera systems in place
• Locks — the type of locks on external doors and windows
• Safes — whether you have one and its rating
• Smart security — connected doorbells, motion sensors, etc.

A broker may also be able to suggest improvements that could be beneficial.

2. Think About Your Rebuild Cost

Understanding whether you have a current rebuild cost assessment can be helpful. A broker can advise on whether a professional assessment would be worthwhile, particularly for:

• Older or period properties
• Listed buildings
• Properties with non-standard construction
• Homes that have been significantly extended or renovated

3. Consider Your Voluntary Excess

When speaking to a broker, you may want to discuss the voluntary excess — the amount you would contribute towards a claim. Different excess levels may be available, and a broker can explain the options.

4. Review What You'd Like Covered

It can be helpful to think about whether you'd like separate or combined cover for your buildings and contents, and to consider any specific requirements you might have.

5. Make a Note of Your Valuables

If you own high-value items such as jewellery, watches, art, antiques, or wine collections, it can be helpful to have a list with approximate values. A broker can advise on how these should be covered.

6. Check Your Current Policy

If you already have home insurance, reviewing your current policy before speaking to a broker can be helpful. Note your current cover levels, any exclusions, and your renewal date.

7. Prepare Your Questions

Think about what matters most to you and what you'd like to understand better. A specialist broker can answer questions about:

• What cover options are available for your property type
• How specific features of your home might be relevant
• What documentation or assessments might be needed

How We Can Help

High Value Home Quote is a free introducer service. We connect you with FCA-regulated specialist brokers who can provide personalised advice based on your circumstances. We don't provide insurance advice or arrange policies ourselves.

Get connected for free — use our service to speak with a specialist broker who understands high-value properties.