High Net Worth Home Insurance

High net worth home insurance is offered to those who reside in homes with a high value. These homes therefore need more insurance to cover the costs of damage and theft. Because there is a higher value placed on your home and the contents within it, it is important to obtain the correct cover. Make sure you do not end up paying high premiums unnecessarily, and check that your current home insurance does not protect you already – compare deals using one of the comparison services below to find the offer that most suits your personal needs.

Insurance for High Value Homes
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£500,000£63,00010% discount when you buy onlineGet Quotes >
New for old contents cover - Standard cover of £63,000 can be increased - No need to list valuables if less than £15,000 in value - Buildings cover of £500,000 or more can be provided
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Those who decided to take out a high net worth home insurance policy should note that the premiums are likely to be higher as the repairs and replacements to the property will cost more.

There are companies which provide specialist cover for high net worth home insurance. An underwriter may want to check:

  • Your location
  • Your occupation
  • And they may want to survey the property

If you wish to take out a high net worth home insurance policy you should inquire about the following:

  • Whether accidental damage is included with your buildings and contents insurance policy.
  • If you are provided with sufficient cover for your valuables should something happen to them.
  • If you are able to receive insurance cover on everything you would like to secure.