SPECIALIST COVER
High Value Property Insurance
Bespoke cover for properties that deserve more than a standard policy.
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Cover That Matches Your Property's Worth
Standard home insurance policies often have limits that fall short of covering high-value properties. Our specialist policies are designed for homes valued above standard thresholds. Whether you own a period property, a modern architectural home, or a country estate, we work with specialist underwriters who understand the unique risks and requirements. Our guide to how high value property insurance works walks through what sets these policies apart from standard home cover. For single-property contents cover below the HNW threshold, Chelsea Insurance — our personal-lines sister brokerage — writes specialist contents policies at Lloyd's of London.
What's Included
Building Structure
Full rebuilding costs including listed building requirements and specialist materials.
High Value Contents
Cover for contents exceeding standard limits, including single-item valuables.
Grounds & Outbuildings
Swimming pools, tennis courts, stables, guest houses, and landscaping.
Liability Cover
Property owner's liability and personal liability protection.
Alternative Accommodation
If your home becomes uninhabitable, we cover temporary living costs.
Security & Prevention
Discounts for approved security systems and loss prevention measures.
Why Specialist Property Insurance Matters
Rebuild Cost Expertise
We work with specialist surveyors who understand period features, listed building constraints, and high-specification finishes — ensuring your rebuild cost is accurate from day one.
No Underinsurance Penalties
Agreed-value policies mean your property is insured for its full worth. Unlike average clauses in standard policies, you receive the complete sum insured at claim.
Bespoke Risk Management
From smart security systems to flood resilience planning, we advise on reducing your risk profile — which often leads to lower premiums and better cover terms.
How We Insure High Value Properties
1. Property Assessment
We review your property details, rebuild costs, contents valuation, and any special features such as listed status, non-standard construction, or high-value outbuildings.
2. Market Search
We approach Lloyd's syndicates and specialist HNW insurers to find cover that matches your property's specific risk profile — not a one-size-fits-all policy.
3. Ongoing Review
Property values change. We conduct annual reviews of your rebuild cost, contents sum, and any improvements to ensure your cover keeps pace with your property.
Frequently Asked Questions
Generally, properties valued above £500,000 for rebuilding costs, or those with specialist features such as listed status, thatched roofs, or high-value contents.
Yes, we can include cover for home office equipment, IT hardware, and business property kept at your home.
We work with underwriters who specialise in listed buildings and understand the additional costs of using approved materials and techniques for repairs.
Absolutely. We can arrange portfolio policies covering multiple properties, which often provide better value and simplified administration.
Speak to a private broker
Get the right cover for High Value Property Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover