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Because exceptional homes deserve exceptional protection.

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What is High Net Worth Home Insurance?

High Net Worth Home Insurance is specialist cover designed for individuals with high-value homes, contents, and lifestyle requirements. It offers tailored protection for listed buildings, fine art, luxury furnishings, high-end technology, and jewellery collections.

Whether you own a heritage property, a city townhouse, or a country estate, High Net Worth Home Insurance ensures your assets are protected with care and precision.

Who Needs High Net Worth Home Insurance?

This cover is ideal for homeowners with properties or possessions that exceed the limits of standard home insurance. This includes:

  • Owners of listed or historic homes – Cover for complex rebuilds and heritage materials.
  • Luxury property owners – Tailored protection for high-value real estate.
  • Collectors and investors – Cover for fine art, antiques, and collectibles.
  • Jewellery and watch owners – High single-item limits for precious belongings.
  • Professionals and entrepreneurs – Protection for high-spec tech, offices, and lifestyle assets.

Why is Specialist Cover Important?

Standard home insurance often falls short when it comes to rebuilding costs, bespoke fittings, or valuable collections. High Net Worth Home Insurance ensures everything that matters is insured appropriately, with no corners cut.

Key protections include:

  • Worldwide Cover for Valuables – Keep precious items protected, even while travelling.
  • Unlimited Rebuild Cover – Includes specialist architects and restoration experts.
  • Fine Art and Antiques – Agreed value and market appreciation protection.
  • Cyber and Identity Theft Cover – Optional protection for digital threats.

What’s Typically Included?

  • Buildings Insurance – Reinstatement cover for unique or heritage structures.
  • Contents Insurance – Tailored to reflect the quality and quantity of luxury furnishings.
  • Personal Liability – High indemnity limits for domestic staff and visitors.
  • Alternative Accommodation – In line with your current standard of living.

What May Not Be Covered?

  • Wear and tear or gradual deterioration.
  • Unspecified or undisclosed high-value items.
  • Negligence or failure to maintain the property.

Additional Specialist Options

Depending on your lifestyle and assets, you may also want:

Tailored cover for exceptional homes

At Insurably, we understand that no two high-value homes are the same. That’s why we work closely with trusted insurers to deliver cover that matches your standards, lifestyle, and expectations.

Start your bespoke quote today and protect what matters most—beautifully, intelligently, and without compromise.

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  • Discreet, expert advice tailored to your lifestyle.
  • Cover arranged through top High Net Worth insurers.
  • A local contact—not a call centre.

What does High Net Worth Home Insurance cover?

  • Valuable Possessions Cover
  • Property and Buildings Cover
  • Alternative Accommodation

What's Covered?

What's Not Covered?

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For individuals who value privacy and require comprehensive protection, high net worth home insurance goes beyond standard cover. Insurably provides discreet, tailored solutions that can include protection for fine art, luxury wardrobes, and employed household staff—ensuring every aspect of your lifestyle is insured with care and confidentiality.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in home insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

High Net Worth (HNW) Home Insurance is specialist cover designed for individuals with high-value homes, luxury possessions, and complex lifestyles. It’s ideal for those whose property value, contents, or lifestyle requirements exceed the limits of standard insurance. Typical clients include entrepreneurs, professionals, celebrities, and private clients with heritage homes, bespoke renovations, fine art, or jewellery collections.
A comprehensive HNW insurance policy typically includes:
  • Unlimited or high-limit rebuild cover for unique or listed homes.
  • Worldwide all-risks cover for valuables such as jewellery, watches, and designer items.
  • Fine art and antique insurance with agreed value settlements.
  • High-value contents cover including smart tech, home cinemas, and bespoke furniture.
  • Personal and employer’s liability, including cover for domestic staff.
  • Alternative accommodation that matches your current standard of living.
Yes. If your home is worth over £750,000, or your contents exceed £100,000 in value, a standard insurer may not offer adequate protection. Specialist HNW insurers understand the complexities of luxury properties, offer broader cover, and provide personalised underwriting that reflects your lifestyle and assets.
Yes — High Net Worth policies typically offer worldwide all-risks cover for high-value items such as jewellery, luxury watches, fine art, antiques, and designer clothing. Items can be covered on an agreed value basis, ensuring that in the event of a loss, you receive the full insured amount without depreciation or disputes.
Agreed value insurance means that you and your insurer agree upfront on the value of an item or property. If it's lost or damaged beyond repair, you'll receive the full amount agreed — no haggling, no depreciation. This is especially important for art, jewellery, rare items, and classic cars whose market values may fluctuate or be difficult to replace.
Optional extras for HNW clients include:
  • Cyber insurance – Protection from cybercrime, identity theft, and ransomware.
  • Travel insurance – Annual cover for worldwide trips with cancellation and medical protection.
  • Second home cover – Including overseas properties or UK holiday homes.
  • Household staff cover – Liability and employment protection for cleaners, chefs, or nannies.
  • Private collections insurance – For wine, watches, fashion, and memorabilia.
You can start by requesting a quote online or speaking directly with a specialist at Insurably. We work with leading insurers in the High Net Worth space and provide a discreet, personalised service. Quotes are tailored to your property, possessions, and lifestyle — no generic forms, just expert advice.