Large House FAQs

All your questions about large house insurance, answered online
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Large House Insurance FAQs

What is high value home insurance?

How much should I insure my home for?

What single item limits are in place for valuables?

What changes do I need to tell my insurer about?

What is high value home insurance?

Typically, a large house is defined as a home with 6 bedrooms or more. By their very nature large houses often have more contents and so high value home insurance is designed to cover properties of a higher net worth than the average UK household.


How much should I insure my home for?

Each property is different. Use the ABI rebuild calculator for free online to work out the rebuild cost of your house (this is not its market value). For a large house you might prefer to use a professional surveyor to provide an estimate of the rebuild cost. When it comes to contents insurance, you should include every item in the home by going from room to room, including electronics, clothing, kitchen appliances, etc.


What single item limits are in place for valuables?

When taking out a HomeProtect policy you must specify all valuables and personal possessions which have a value of over £1,500.

What changes do I need to tell my insurer about?

You must inform your insurance provider of changes to your home such as letting a room to lodgers, making structural renovations, installing a burglar alarm or door locks, leaving the house empty for more than 30 consecutive days.