Do I need high-value home insurance? Being considered a high-value client typically refers to individuals or families who possess certain characteristics or meet specific criteria that make them qualify for a high-value home insurance product. This short article will help you quickly understand whether you’re in the high-value home category.

It’s simple: read the four high-value home questions, find out how many you can say ‘yes’ to and check out the qualifiers. The more ‘yeses’, the higher the probability you need a high-value product!

Four high value home questions

  1. Will it cost you more than £1,500,000 to rebuild your property? (Read our guide to rebuild value vs market value)
  2. Will it cost you more than £150,000 to replace all of the general contents in your home?
  3. Is the total value of your jewellery, watches, artwork and other collectibles more than £50,000?
  4. Are you paying more than £2,000 per annum for your home insurance?

Four possible high value home answers

If you can answer ‘yes’ to:

Speak to our experienced team

It’s important to note that each insurer has their own underwriting guidelines and criteria for determining high-value clients. It’s always recommended to give us a call or get a quote online to benefit with free advice from the experienced 4.9-Star Stanhope new business team.

Unique access to market

We’ve built strong relationships with many High, Ultra-High, Specialist Home, Stand-Alone, and Mid-net-worth insurance providers over the last 18 years. As a result, we currently distribute up to 30 different insurance products to help safeguard your luxury home. Rest assured, we’ll have a competitive product option for your high-value home insurance needs.

Get a quote now

Your name(Required)

Hidden

Alternatively, please contact an insurance advisor on 01730 777 600.

modern building with large glass windows
a white house with a flat roof

Written by Matthew Ashton

I started working in the insurance industry in 2004. Four years later, I left to focus on theological studies, working as a youth worker and then as a ministry director in Seattle, USA. When returning to the UK, I had an opportunity to work for the late Andrew Marchington. I joined his firm as a sales advisor when it had around ten staff members. Within three years, I was Head of Ops with a staff team of over 30 people. After a chance encounter in 2019 with Rachel Living and Will Cooper, I co-started Stanhope to build a high-value home, luxury watch, and jewellery broker synonymous with trust. I love being with Donna, my wife, and four kids when not working, cramming in the odd row, or running when I can. I am fortunate to love what I do and consider it a blessing to grow the Stanhope brand.

Matthew Ashton

Date: Tuesday 4th July, 11:23pm

More blog posts