Products & Covers

High-Value Household Insurance.

Comprehensive protection for your home, contents, and personal possessions - structured around the true value of what you own.

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Benefits

Insurance Built Around the True Value of Your Home.

High-Value Household insurance provides substantially broader protection than standard home insurance, designed specifically for properties and contents that require more than off-the-shelf cover. We work with specialist insurers to arrange policies on an all-risks basis, with agreed values for buildings and contents, no average clauses, and cover that extends worldwide for personal possessions. Whether your home is a country estate, a London townhouse, or a modern architectural property, we ensure that the policy reflects its genuine reinstatement value and your individual circumstances.

Typical cover can include:

Buildings cover

Agreed or reinstatement value protection with no underinsurance penalty.

Worldwide Contents

All-Risks Contents insurance with worldwide cover for personal possessions.

Fine Art, Antiques, Jewellery and Collections

Protection for art, antiques, jewellery, watches, and private collections as part of the wider household programme.

UK - Fine art and valuable collections@2x

Wine Collections

Specialist cover for wine collections including temperature damage, breakage, cork taint, and storage incidents.

Coins and Gold Bullion

Agreed-value protection for numismatic collections, gold bullion, and precious metal holdings held at home or in specialist storage.

Aged Leather Security Box with Gold Coin Compartments-1

High value limits

High single article limits reduce the need to individually schedule lower-value items.

Annual Family Travel insurance

Worldwide family travel insurance included within your household programme, covering trips, medical expenses, and cancellation.

Legal and emergency

Legal expenses, home emergency assistance, and identity fraud protection.

Domestic staff

Employers’ Liability and protection for household employees.

UK - Protection built for legacy and continuity@2x

Alternative accommodation

Loss of rent and alternative accommodation following an insured event.

UK - Employee injury and workforce risk@2x

All covers are subject to individual insurer terms, conditions, and underwriting criteria. The above represents a summary of the types of cover that may be available and does not constitute a policy document or insurance advice.