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High-Value Home Insurance
High-value home insurance is there to protect your most valuable asset within the home, and if your home contains treasured possessions, antiques and valuables then chances are you will require specialist home insurance tailored to your needs.
Off the shelf solutions are not always suitable for clients with bespoke insurance needs, instead, a personal service with a tailored solution is recommended.
- High-value items such as jewellery and watches covered.
- Cover for fine art and antiques.
- Identity fraud.
- Independent valuations.
- Dedicated contacts and account managers.
The Alan Boswell Group Difference
Our home insurance specialists recognise that no two homes are the same so we will tailor a high value home insurance policy to help you ensure that your most precious possessions are covered. With our dedicated team solely dealing with high value customers we are well positioned to provide you the first class service you require. Having access to a selection of quality high value insurance companies and being independent we are able to provide advice and guidance on which insurers are suitable for your requirements.
How our customers rate us
Very helpful friendly staff spent time finding the right insurance cover for us.
High-Value Home Insurance in detail
High-value insurance is specifically tailored to the needs of high value customers.
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Building covers
Cover for your property for repair or rebuild following a claim e.g. fire, flood etc.
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Contents cover
Covers damage or theft of contents within your property.
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Accidental damage
Extra cover for accidental damage e.g. spilling wine on carpets.
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Personal belongings
Cover for personal belongings while out of home e.g. watches, clothes, electronics etc.
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Contents in the garden
Cover for items in the garden e.g. garden furniture, ornaments etc
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Identity theft
Cover for costs to repair your credit status and defend your name.
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Fine art & valuables
Specific cover for fine art and valuables – theft and repair.
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Family legal cover
Cover for legal expenses for a variety of legal disputes e.g. personal injury, consumer disputes etc.
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Alternative accommodation
Cover for alternative accommodation in the event your property is uninhabitable following a claim.
- Annual travel option Option to include annual travel as an additional cover.
When stating the sum insured for your buildings it should be for the estimated rebuilt cost of the property rather than the market value. Providing a correct sum insured will mean you do not pay inflated premiums.
If there are any change in circumstances for your 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.
FAQs
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The definition of high value is subjective. We regard it as anything you feel is high value and want protected correctly.
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No, you will be able to change your existing policy unless there are any adverse risk issues with your new property (e.g. flood area).
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If it’s unoccupied for less than 30 days there is not an issue; even 60 days un-occupancy is often acceptable. Beyond 60 days, there may be restrictions in cover.
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Anything you take with you when you leave the house on a day to day basis or if you are away for an extended period of time. This includes clothing, footwear, personal electronics, jewellery and watches.
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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 go to a calculator devised by the Royal Institution of Chartered Surveyors (RICS) to help with sums insured. www.calculator.bcis.co.uk/
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Contents insurance covers all household possessions, such as furniture, electronics and carpets as well as high value items like art and antiques. Try our contents calculator to estimate the value of your belongings.
Get in touch
Matthew Large
Private Client Account Executive
Matt started working at Alan Boswell Group in July 2008 after leaving sixth form, originally working as a claims trainee for one year and then…
Mark Linehan
Head of Private Clients
Mark has been working in the insurance industry since leaving school. He joined, Norwich based, Eagle Star, before moving to Alan Boswell Group in 1997…
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