High-value homes & contents
A distinctive home needs a considered conversation.
Insurance for substantial, listed and individual UK homes, with contents and valuable possessions considered alongside the building. Start with how you live in and use the property.
A renewal, a change or a new requirement?
The conversation behind the cover
The building itself
A purchase price alone does not describe the cost or complexity of reinstating a home. Tell us about its construction, listed status, specialist finishes and any unusual features. We can discuss what rebuilding information an insurer needs.
Contents and individual pieces
A total contents figure may not answer the questions around jewellery, watches, art or collections. We discuss valuations, individual items, where they are kept and whether they are taken away from home.
How the home is used
Let us know about additional homes, periods away, other occupants, business use or planned alterations. These circumstances can affect the insurer’s terms and the information it requires.
The detail of a recommendation
Our discussion includes the proposed limits, excesses, conditions and settlement basis. A policy should be considered against your circumstances, rather than its headline premium alone.
Useful to know
Before you enquire.
Cover depends on the individual risk, insurer acceptance and policy terms. Sending an enquiry does not put cover in place.
Explore private clients ↗Can you consider more than one home?
Yes, we can discuss several UK homes together. Whether one arrangement or separate policies are appropriate depends on the risks and the insurers’ terms.
Should I send a list of valuables now?
No. Begin with a general description. Agree the appropriate way to share valuations and other sensitive documents with the team.
What if I am about to renovate?
Discuss the planned work before it starts. Do not assume your existing home policy will cover the works or the changed use of the property.
A direct conversation
Let’s begin with what matters to you.
A renewal, a change or a new requirement. Start with a brief outline.