What is defined as a 'high-value' home?

Properties with a rebuild value of over £1,000,000 are generally considered 'high-value'. However, you may also need high-value home insurance if you have valuable collections of art, antiques, collectables, jewellery, or watches which you wish to insure.

How does high-value home insurance differ from a standard home insurance policy?

High-value home insurance offers higher sums insured and more comprehensive protection. It can include worldwide cover, agreed valuations, and tailored protection for collections, art, antiques, jewellery and watches.

Can I cover multiple properties on one policy?

Yes, we can arrange cover for multiple properties under one policy, including second homes, holiday homes, and rental properties.

Can I insure a property that is unoccupied?

If the property is unoccupied for less than 30 days your policy will normally cover this as standard. Beyond 30 days, you may need a specialist unoccupied property policy.

How do I work out the rebuild cost for my property?

Previous insurance documents, or any documents relating to the purchase of your property, may contain the sum insured. If you cannot access these, you can use the calculator devised by the Royal Institution of Chartered Surveyors (RICS) to help with calculating the sum insured www.calculator.bcis.co.uk/.

High-Value Home Insurance | Alan Boswell Group

Name: High-Value Home Insurance
Brand: Alan Boswell Group
Rating: 4.8 (12605 reviews)

Your home may require more than a standard policy. Whether you need protection for fine art, heirlooms, jewellery, or want the convenience of insuring multiple properties under a single policy, we work alongside a panel of specialist insurers to provide cover designed around your specific needs.

The Alan Boswell Group Difference

Every home is unique, which is why we take the time to truly understand yours. Our experienced private clients team recognise that no two homes, or clients, are the same. With years of expertise in arranging high-value home insurance, we work closely with you to design a policy that protects what matters most, with careful attention to detail and discretion at every stage.

Our dedicated private client team combines technical knowledge with a highly personal approach, ensuring you receive considered advice and a consistently high level of service. As independent advisers with access to a carefully selected panel of leading high-value home insurers, we provide clear guidance on the most suitable options for your needs.

Nick Smirnovs - Senior Private Client Insurance Adviser

How our customers rate us

Very helpful friendly staff spent time finding the right insurance cover for us.

Mr & Mrs Reynolds - Household Insurance

4.8/5 12605 reviews

High-value home insurance in detail

High-value home insurance can include:

Building cover

Covers your property for repair or reinstatement following an insured event, such as damage, fire, and theft.

Contents cover

Covers your contents and personal possessions against loss, damage, and theft.

Contents in your garden & grounds

Cover for your contents kept outside, including furniture, ornamental items, and art.

Fine art, collections, jewellery, & watches

Bespoke cover for your fine art, antiques, collectables, jewellery, and watches.

Alternative accommodation

Cover for your alternative accommodation if the property is uninhabitable following an insured event.

Personal belongings

Worldwide cover for your personal belongings, jewellery, watches, and electronics when away from home.

Accidental damage

Covers the insured property, contents, and your possessions against accidental damage.

Family legal cover

Cover for your legal expenses for a variety of legal disputes, such as personal injury and consumer disputes.

Identity theft

Cover for costs to repair your credit status and defend your name.

New-for-old contents cover

Replacement of lost, stolen, or damaged possessions with a brand new equivalent.

When stating the sum insured for your buildings, it should be for the estimated rebuild cost of the residential property rather than the market value. Providing a correct sum insured will mean you do not pay inflated premiums.
If there are any changes in circumstances for your residential property e.g. undertaking renovation, or letting out rooms, you should let your insurance provider know as claims may be invalidated if they are unaware. If in doubt, it is always better to speak to us.