High Value Home Insurance
- Cover for art, jewellery and antiques.
- Any age of property covered.
- Underwritten by AXA Insurance.
- Average quote time is only 10 minutes.
More information
do i need high value home insurance?
Most home insurance policies come with claim limits that suit the average household. But if you own a high-value property or have more contents than typical, you may need your policy tailored to ensure you’re properly protected.
With Homeprotect, you can get a standard quote online and then speak to our team to discuss a tailored solution. We may be able to increase your rebuild cover or contents limits based on your circumstances. It should be understood though that our product is not a High-Net-Worth (HNW) product.
high value buildings insurance
A standard Homeprotect policy provides up to £1 million of buildings cover. This is usually sufficient for the average home, but if your rebuild cost is higher — or if you have expensive outbuildings or unique construction features — we may be able to offer more.
We can cover properties with rebuild costs up to £2.5 million, subject to underwriting review. To get started, generate a quote online and ask for it to be referred to our underwriters.
The quickest way to get the tailored high value home insurance quote you need is to create a standard quote online, via this website, then call us and ask for the quote to be reviewed and tailored by our underwriting team.
Calculating your rebuild cost
The BCIS calculator provides an estimate of the cost of rebuilding common property types within the UK. The estimates are based on examples of properties with different criteria, using standard building methods, but the rebuild costs of similar properties can still vary.
The calculator is built into our online quote journey. Start a quote now – it’s completely free and only takes 10 minutes on average to get your quote.
Please note that BCIS state that their calculator is not applicable in the following situations:
- If your property is not a house, flat, or bungalow
- If your property’s external walls are built using something other than brick, stone, or a combination of brick and timber
- If your property has a thatched roof
- If your property was built pre-1720
- If any part of your property is listed
high value contents insurance
If you have above-average belongings, you may need to increase your contents cover beyond our standard limits.
- Contents sum insured: We can provide up to £500,000, subject to eligibility.
- High risk items: Standard cover includes up to £5,000 for items such as jewellery, watches, works of art and collectibles, which are individually worth less than £1,500. Higher limits are available via underwriter review.
- Items in outbuildings: As standard, we cover up to £2,000 for contents in outbuildings. This can be increased up to £50,000 if required.
- Items in the open: Standard cover provides up to £5,000 (with a £1,500 item limit) for possessions in the garden or outdoor areas. Higher limits may be available on request.
Please note: For matched sets (e.g. sofas, dining chairs), we pay full value for damaged items, but only contribute 50% towards undamaged matching items.
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What’s covered by high value BUILDINGS & contents insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you. Please note, this is not a High Net Worth insurance policy as standard, although we can, subject to review and individual circumstances, tailor the cover to satisfy the needs of customers with high value property and high value contents.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
high value buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
up to £500,000
available online,
subject to eligibility
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
up to £20,000
available online,
more available if needed
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
Your Questions Answered
Yes — if tailored by our underwriters. Our standard cover suits most households, but we can increase claim limits or contents cover for high value homes, following a referral to our underwriters.
Yes. Our buildings cover is 5-star rated and includes up to £1 million as standard. For rebuilds over this amount, we can extend the limit up to £2.5 million.
Yes. Get an online quote and then speak to our team. We can refer your quote to our underwriters who may adjust claim limits, extend contents or buildings cover, or add extra protection as needed.
No — this is not a High-Net-Worth (HNW) product as standard. However, we can tailor our cover for some high-value homes, depending on your situation and eligibility. For rebuilds above £2.5 million or highly specialist insurance needs, we you may prefer a dedicated HNW provider
Additional Cover Options
Accidental Damage
The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …
Legal expenses cover
The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.
Home emergency cover
The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …
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Our insurance experts are on hand if you have any questions.