High Value Home Insurance
At Brown & Brown, our Private Client Insurance team are here to help arrange insurance cover for your high value home, contents, jewellery, watches and fine art.
Your dedicated broker will provide a discreet, professional service and act as your primary point of contact throughout your relationship with us. We take the time to understand your unique circumstances, reviewing your assets, priorities and concerns before recommending an insurance policy that reflects your needs.
With access to a range of insurers and insurance products, we put forward options that are right for your unique circumstances.
If you need to make a claim our specialist team will support you throughout the process, acting as your advocate and helping to ensure it progresses as smoothly as possible.
Why Choose Us
Trusted Advisors
Tailored Solutions
Claims and Policy Support
Tailored Insurance Cover,
Seamlessly Delivered.
Ready to Discuss Your
Unique Insurance Needs?
We take the time to understand your unique circumstances, helping to tailor an insurance programme that is built with you in mind.
Some of the cover* that we can support you with:
Worldwide Cover for Contents, Personal Possessions & Jewellery
Warranty Free Policies – Less Onerous Security Requirements
Specified cover for Fine Art, Antiques, Jewellery, Watches and Collectibles
UK and Overseas Holiday Homes and Investment Properties
Unlimited Buildings Cover (subject to survey)
Worldwide Travel Insurance – including long stay and medical conditions
Cover for High Value Pedal Cycles and Sports Equipment
High Value Audio Visual and Tech Cover
Employer’s Liability for Household Staff
Additional Services Clients Have Access To:
Rebuild Cost Assessments Surveys
Jewellery, Watches and Contents Appraisal Services
Security Appraisal Services
*Cover and benefits can vary, and our specialist brokers will always explain your cover in detail, including any applicable terms, conditions and exclusions.
Insuring Your Home in 3 Simple Steps
- Request a Quote
- Customise Your Coverage
- Get Insured
Solutions at
Every Stage
Smart Cover Starts Here
Insurance isn’t one-size-fits-all. Let’s explore options designed to match what matters most to you, with flexibility and clarity every step of the way.
Your Questions, Answered
High-value home insurance is a specialised policy designed for properties with a higher rebuild cost and valuable contents. It offers more comprehensive cover than standard home insurance, including protection for fine art, jewellery, antiques, and bespoke fittings.
You may need high-value home insurance if your property is worth over £500,000 or if you own expensive contents that exceed the limits of a standard home insurance policy. If you have specialist items such as designer furniture, valuable collections, or high-end technology, a tailored policy can ensure adequate protection.
Cover varies depending on the insurer, but policies typically include:
- Higher building and contents cover limits
- Worldwide cover for valuables such as jewellery and artwork
- Accidental damage as standard
- Alternative accommodation in case of major repairs
- Legal expenses and home emergency assistance
You can lower premiums by improving home security with high-quality locks, alarms, and CCTV. Regular valuations of jewellery and artwork can prevent over-insuring. Increasing your excess and bundling policies (e.g., home and car insurance) with the same insurer may also help reduce costs.
Ready to help minimise your risk and uncertainty?