A standard policy is built for average properties.

Standard home insurance applies limits that often don't reflect what higher-value homeowners actually own. A single-item limit of £2,000 on a policy covering a £40,000 watch isn't adequate cover: it's a significant gap that only becomes visible when a claim is made. Mid to High Net Worth home insurance is specialist cover designed for higher-value homes and individuals with significant assets. It provides broader cover, higher limits, and a more tailored claims experience than a standard policy.

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Why it matters

Protection that matches your lifestyle

Standard coverage isn’t always enough. High-value home insurance ensures your property, valuables, and lifestyle are fully protected.

Standard vs. Mid to High Net Worth

Is standard home insurance enough for you?

Standard policies have fixed limits. For high-value homes, fine art, jewellery collections, and luxury possessions, those limits can leave you seriously underinsured. Subject to policy terms and insurer acceptance.

Standard Home Insurance Mid to High Net Worth Home Insurance
Buildings cover Fixed policy limits Tailored to rebuild value
Single-item limit (e.g. jewellery) Typically £1,500–£2,500 High or unspecified limits, or agreed value
Claims settlement Market value Agreed value options
Claims handling Standard Dedicated claims specialists
Worldwide cover Limited Automatic in most cases
Underwriting approach Fixed criteria Bespoke

What this cover includes

  • High-value buildings, typically for properties with rebuild values of £750,000+
  • High-value contents — often £150,000+ in sum insured
  • Worldwide cover for personal possessions
  • Accidental damage as standard
  • Alternative accommodation at a standard aligned to your lifestyle
  • Personal liability, often up to £5m–£10m
  • Specialist cover for jewellery, art, and watches
  • Home emergency assistance

WHO IS THIS FOR

Specialist cover for exceptional homes.

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High rebuild value properties

Homes with rebuild values where standard policy limits simply aren't adequate.

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Significant jewellery & fine art

Individuals with collections that exceed standard single-item limits many times over.

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High-income professionals

Executives and professionals whose assets and lifestyle go beyond standard policy parameters.

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Premium property investors

Investors with premium residential assets requiring bespoke underwriting.

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Frequently travelling owners

Those who need worldwide cover for possessions as standard, not an expensive add-on.

HOW IT WORKS

Covered in 3 steps

A real conversation, a clear recommendation, sorted

1

Tell us what you need

We skip the generic forms and ask the right questions upfront to understand your exact situation

2

We search the market

We find the best specialist covers for your profile and clearly explain your options.

3

You're covered

You get a clear recommendation. We handle the paperwork and provide ongoing support.

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Not sure what you need?

We'll talk you through it. If you're unsure whether your current cover reflects the value of what you own, we're happy to review it.

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