High-Value Home Insurance
Personalised High-Net-Worth Home Insurance tailored to your property and possessionsHigh-Value Home Insurance provides additional reassurance and cover for unique homes and valuable items.
With more than 30 years’ experience, Chris Knott Insurance can provide protection that is specifically tailored to your home and its contents. Specialist cover is available for jewellery, fine art, antiques and fine wine, as well as rare and collectable items.
In addition to highly trained client managers who offer personal attention and ongoing support, we provide guidance on valuations and a free and independent insurance review. This will accurately assess the type and level of cover you need, giving you confidence that your high-value home and possessions have the right protection.
Key benefits of choosing CKI
- A free and independent insurance review to assess the type and level of insurance needed
- Specialist cover for valuable items or collections
- A dedicated contact for all of your queries
- Valuation guidance and home security advice
- Quick and efficient assistance with claims
Chris Knott Insurance provide excellent service and are very helpful. They could give information and services when other companies couldn’t. We have been using their services for many years for insurance of both cars and home and property.
Mrs Elsa M Richter
High Value Home Insurance FAQs
What is High-Value Home Insurance?
Sometimes known as ‘High-Net-Worth Home Insurance’ or ‘Luxury Home Insurance’, it is a specialist insurance product tailored to the unique needs of your home and its possessions.
If your home is particularly valuable, listed or made out of non–standard materials, High-Value Home Insurance can provide you with personalised cover that addresses the additional risks associated with repairing, replacing or rebuilding your home if the worst should happen. Home Insurance for high-value homes also offers extended, or even unlimited, cover for valuable items or collections. This could include antiques, fine art, jewellery or high–spec computer and gaming equipment.
Do I need High-Value Home Insurance?
- Your home is listed or features non–standard building materials.
- Has more than 5 bedrooms.
- You have high–value possessions, such as artwork, instruments, high–spec computers or jewellery.
This is because the cost of repairing, replacing or rebuilding these homes is likely to be too high for a standard Home Insurance policy. For instance, English Heritage may insist upon period materials and craftsmanship being used, which will add to the expense of repairing your home.
And if you have valuable possessions, regular Home Insurance limits may be too small for each individual item. If your possessions are damaged, stolen or lost, this could mean that you do not have the cover to replace or repair them.
What does High-Value Home Contents Insurance cover?
High-Value Home Contents Insurance covers:
- Carpets
- Televisions and entertainment equipment such as game consoles
- High–spec computers and gadgets
- Furniture
- Artwork
- Books
- Instruments
- Valuables
When it comes to your valuables, Chris Knott Insurance can arrange specialist cover for the following, which can be either individual high-value items or complete collections, to give you complete peace of mind:
- Jewellery
- Fine art
- Antiques
- Fine wine
- Rare or collectable items
Does High-Value Home Insurance cover golf clubs?
Yes. If you keep your golf clubs at home, we can arrange for your Home Insurance to protect them against theft, loss or damage, so you’ll be able to repair or replace them.
What does High-Value Home Buildings Insurance cover?
High-Value Home Buildings Insurance will cover the cost of repairing, replacing or rebuilding your home, but unlike standard cover, it will provide higher limits or even unlimited cover.
This is because these homes are likely to have higher repair or rebuild costs. You may need to use specialist materials or expert craftsmanship, for example, which will drive up the cost of building work.
For this reason, it is very important that you accurately estimate the cost of rebuilding your home. High-value homes are more likely to be listed, involve non–standard building materials, or have period features. This could make your rebuild cost more expensive than its market value.
To help you, we can offer valuation guidance via our network of trusted experts. To find out more about the best High-Value Home Insurance for you, speak to a member of our private clients team.
How much does Home Insurance for high-value homes cost?
- The value of your home
- Its building materials and construction methods
- Whether your home is listed
- Its fixtures and fittings
- Your security measures
- The number, value and type of possessions
Contact Chris Knott Insurance for a High-Value Home Insurance quote today on
0800 917 2274
