High Value Home Insurance
High value home insurance is a specialist type of home insurance designed specifically for properties and contents that exceed the limits of standard home insurance policies. Unlike regular cover, which is often suitable for average homes, high value home insurance provides comprehensive protection for expensive properties and valuable possessions, helping you safeguard your investment against a wide range of risks.
What is High Value Home Insurance?
High value home insurance is a specialist type of home insurance created for properties and contents that are worth more than the limits offered by standard insurers. While regular home insurance is suitable for many households, it often comes with strict caps on buildings and contents cover.
If your property would cost a significant amount to rebuild, or if your belongings include high-value items such as fine art, luxury furniture, high-end electronics, jewellery or collections, a specialist policy ensures you are properly protected.
Why High Value Home Insurance Matters
Your home is likely one of your largest financial assets, and for high-value properties, the stakes are even higher. High value home insurance offers broader protection, higher limits and more flexibility than standard home insurance.
It ensures your property’s full rebuild cost is covered, including specialist materials, design features and architectural detailing. It also allows you to insure valuable contents at their true value, reducing the risk of underinsurance.
Many high value home insurance policies offer wider protection, sometimes including all-risks cover and extended cover for personal possessions away from the home, depending on the insurer and policy terms.
Who Needs High Value Home Insurance?
You should consider specialist high value home insurance if your property’s rebuild cost is above typical standard policy limits or if your personal contents and valuables exceed standard cover limits.
This is particularly relevant if you own a large or bespoke property, a listed or period home, or a home built with specialist materials. It is also essential if you own valuable possessions such as jewellery, watches, artwork, antiques or designer furnishings.
If standard home insurance policies cannot offer sufficient cover for your home or your belongings, a specialist high value home insurance policy provides the protection and peace of mind you need.
What’s Included in High Value Home Insurance
High value home insurance usually includes comprehensive buildings cover to protect the full rebuild cost of your property, including the main structure, outbuildings and any specialist features or materials that would be expensive to replace.
Contents cover protects your furniture, furnishings, technology and personal belongings. High-value items can often be specified individually to ensure they are insured for their full value.
Policies typically cover risks such as fire, storm, flood, subsidence, theft and accidental damage, as well as providing alternative accommodation if your home becomes uninhabitable following an insured event.
Cover for High-Value Items and Valuables
One of the key benefits of high value home insurance is the ability to insure valuable items properly. This can include jewellery, watches, artwork, antiques and collections.
These items are often listed separately and professionally valued to ensure you receive the correct level of cover in the event of a claim.
How to Make Sure You’re Properly Insured
To make sure you are properly protected, it is important to insure your home for its rebuild cost rather than its market value. A professional rebuild cost assessment can help ensure your buildings cover is accurate.
You should also regularly review the value of your contents and high-value items, especially if you make significant purchases or improvements to your home.
Reviewing your policy regularly helps ensure your high value home insurance keeps pace with changes to your property and lifestyle.
Why Choose CDC Insurance for High Value Home Insurance?
At CDC Insurance, we specialise in tailored personal insurance solutions, helping homeowners across Kent and the UK secure the right cover for their high value properties.
With access to a wide range of specialist insurers, we take the time to understand your property, your possessions and your individual needs, and arrange a policy that offers genuine peace of mind.
We will help you understand your cover, your options and any policy conditions in clear, straightforward language.
Insurance Exclusions
These policies do have exclusions. In these situations, your property and contents won’t be covered:
- Loss or damage caused by open or unlocked doors or windows
- Inadequate security systems (this will usually be checked before an insurance policy is confirmed and granted)
Get a High Value Home Insurance Quote
Protect your most valuable asset with a bespoke high value home insurance policy tailored to your needs.
Contact CDC Insurance today for a personalised quote and expert advice. Call us on 01843 861251 or get in touch using the form below to speak to one of our experienced advisers.
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