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High Net Worth Insurance Policies

Our High Net Worth policies are tailor made to meet your requirements covering virtually every eventuality for your home, its contents, your personal possessions and valuable collections and typically cover owners of high value homes in the UK.

Homes that require this kind of insurance are generally period houses, town and country properties or mansions where suitable buildings insurance and/or fine arts, jewellery, antiques, valuables insurance is required.

We appreciate high value homes and heritage properties require specialist policies which need to be crafted to individual circumstances. 

Art collections, listed properties of most types of grade and construction may be insured. 

Our policies start with a rebuilding value of £300,000 and contents over £100,000.

  • We care for your possessions anytime, anywhere worldwide cover for theft, loss and damage of your possessions when you take them away from home.
  • Accidental damage covered as standard in our buildings and contents cover. Your possessions are replaced on a ‘new for old’ basis, with no reductions in value for wear and tear.
  • We can cover extensive jewellery, watches and fine art collections with the significant rises in recent years, the value of these collections may have increased significantly and it is always important to ensure that you are appropriately covered with a tailor made insurance policy.
  • Protection for you and your family. We provide specialist help and support if you and your family are involved in an incident not necessarily resulting in a loss. For example we will assist you following traumatic or stressful events such as aggravated assault in an attempted burglary or identity fraud.
  • Access to specialist services. You can rely on our network of trusted contacts. We can put you in touch with experts such as surveyors, furniture restorers, safe installers, legal advisors and a 24-hour personal security helpline for when you are travelling abroad.
  • Immediate assistance for home emergencies. We include 24-hour home emergency cover as standard, giving you swift assistance from a qualified contractor in the event of an unforeseen household emergency.

Our High Net Worth policies are tailor made to meet your requirements covering virtually every eventuality for your home, its contents, your personal possessions and valuable collections.  

Offering a wide range of optional sections will allow you to select the best cover for your needs.
Get in touch with our high net worth insurance experts

As independent brokers, we have access to a range of high-end insurers, enabling us to provide bespoke policies with an excellent service and value for money.

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Bespoke high net worth insurance, what does it mean to me?

High net worth insurance covers owners of high value homes in the UK. Homes that require this kind of insurance are typically period houses, town and country properties or mansions where suitable buildings insurance and/or fine arts, jewellery, antiques, valuables insurance is required. H&H Insurance Brokers appreciate high value homes and heritage properties require specialist policies which need to be crafted to individual circumstances.

When high net worth insurance is required

Typically, a person with high net worth requirements will need to protect higher value properties and contents, sometimes with assets and collections that cannot be covered on standard household or motor policies.

High net worth insurance household portfolio

No matter if your needs are complex, with multiple properties, art, antiques and collections, valuable personal possessions, or high value motor vehicles, our specialist team can help, often consolidating under a single policy.

Ensure adequate cover for high value items

With significant rises in recent years, the value of jewellery, watches and fine art collections may have increased significantly and it is always important to ensure that you are appropriately covered with a tailor made insurance policy.

Protection for you and your family

Specialist help and support can be provided if you and your family are involved in an incident not necessarily resulting in a loss ie following traumatic or stressful events such as aggravated assault in an attempted burglary or identity fraud.
Lee Sparrow, Account Executive
FAQ's
1. Why do I need a high value home insurance policy, surely all home insurance is the same?

Larger properties, with higher sums insured require bespoke cover to make sure the right protection is put in place. Standard household insurance, that is more likely to be sold online or via the high street will invariably have restrictive limits on valuable items. Standard home upper limits are inadequate for high net worth properties, so any loss would be underinsured.

2. What items can be covered on a high net worth insurance policy?

Items covered could include:

•    Buildings (including grounds and other outbuildings such as stables)
•    Second Homes, Holiday homes, Let properties
•    Contents
•    Fine art
•    Antiques and collectibles
•    Jewellery
•    Musical instruments/equipment
•    Technology – laptops, desktops, tablets and mobile phones
•    Collections

3. How often should I update my jewellery and fine art valuations?

Most insurers recommend re-valuations every 3-5 years. It is important to keep up with correct valuations, so that if the worst does happen – you get a true replacement value.