High Net Worth Home Insurance
Find the right cover to suit you.

High-value items like expensive jewellery, artwork, electronic devices, and designer clothing are more vulnerable to damage and theft. If such items are damaged, lost, or stolen, the cost of replacing or repairing them can be substantial. By insuring these items, you can soften the financial impact overall of finding a replacement or repairing them.

When it comes to high-value possessions, not everything can be replaced or repaired. The types of belongings commonly covered by high-value home insurance usually carry an emotional value. Many people choose to insure their family heirlooms and gifts from loved ones. Losing such items can be emotionally and financially devastating. 

Contents insurance can provide a sense of reassurance by compensating you for the financial value of these items. While it may not replace the sentimental value of the time, it can help you to recover financially and move forward.

Some home contents insurance policies may provide coverage for your belongings when you bring them with you outside of your home regularly. Normally, this type of coverage is called ‘personal possessions’ or ‘belongings’ cover. Usually, this type of policy includes cover for smartphones, tablets, jewellery, watches, or cameras.

However, for high-net-worth homeowners, some belongings will be extremely rare and valuable. Home insurance that’s specifically tailored to high-value content usually focuses on fine art, collectables, couture fashion, high-end designer clothing, fine jewellery, and ‘water crafts’ such as boats and jet skis.

Some policies may include coverage for these types of valuables if you intend to rent them out to tenants or the public. This cover is only for the objects listed on your policy and does not relate to public liability coverage should someone be injured as a result of using your belongings.