High Net Worth Home
Insurance
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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
High Net Worth Home Insurance typically includes:
- Worldwide All-Risks Cover – Protection for your possessions anywhere in the world.
- Agreed Value Cover – Guaranteed value for specified items without depreciation.
- Fine Art & Antiques – Specialist cover for collections, including depreciation in value after repair.
- Jewellery & Watches – High single-item limits for valuable pieces.
- Lifestyle Cover – Protection for second homes, holiday homes, and staff liability.
What's Not Covered
- Wear and tear or gradual deterioration.
- Damage caused by vermin, insects, or pets.
- Cost of maintenance or routine decoration.
- Illegal activities or deliberate damage.
Additional Cover You May Need
Depending on your business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does High Net Worth Home cover you for?
For individuals whose lifestyle demands both privacy and comprehensive protection, specialist home insurance can cover far more than just the property. From fine art and designer wardrobes to domestic staff and private security, Insurably provides discreet, high-level cover tailored to unique personal and professional needs.
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