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High Value Home Insurance

Personal Insurance

CDC Insurance provide High Value Home Insurance to those living in Broadstairs, Kent or nation-wide.

 high value home insurance

High-Value Home Insurance is an adept insurance policy that is specifically designed to give high-value homeowners peace of mind. If you live in an expensive home, High-Value Home Insurance secures an amount of protection that a standard home insurance policy may not be able to provide.

High Value Home Insurance: Buildings

Over the years your high value home may experience damage to it’s structure. The damage could affect your walls, roof or foundation. High value buildings insurance will help cover the cost of any repairs that need to be carried out on your property. 

If you’re looking into getting high value buildings insurance, you need to make sure the policy you choose will cover the cost of rebuilding your home from scratch. This will cover all bases, so no matter how damaged your home gets, any repairs will be covered. If you don’t know the current value of your property, its best to get a surveyor to give you an estimate. You can then use this value to apply for a high value buildings insurance policy.

High Value Contents Insurance: Contents

Although its a great idea to get a policy to cover your physical home, its also a great idea to cover the contents of your high value home too. High value contents insurance policies can cover items such as furniture, technology, appliances, atniques, jewellery and watches. 

If you are looking to get a high value insurance policy for your expensive belongings, make sure to use an insurance broker that can make sure their aren’t any exclusions within your contract. This will ensure that all your valuables will be covered no matter what.

    What is considered a high value home?

    If you’re looking to insure the contents of your home, it’s usually appropriate to aquire a high value contents insurance policy if any individual items are worth over £1,000 or £2,000. This will ensure that any damage or loss of high value items is covered.

    If you’re seeking to insure your home or property, you’ll be recommended by your insurance broker to get a high value home insurance policy if your home is worth between £500,000 and £1,000,000. Houses between this range are of a significant value, so you need to make sure you have a policy that covers the entirety of your building.

    High Value Home Insurance Exclusions

    High value home insurance policies do have exclusions. In these situations your property and contents won’t be covered:

    • Loss or damaged caused by open or unlocked doors or windows
    • Inadequate security systems (this will usually be checked before an insurance policy is confirmed and granted)
    High Value Home Insurance

    Get a quote for a high-value home insurance policy

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