High-value home insurance directory
High-value home insurance is a type of insurance providing coverage for homes worth more than the average. We have created a central directory for all available high-value home insurance products in the UK (find out here if you qualify for high-value home insurance).
The directory reveals the available products for high-value home insurance clients. Each product will have a unique risk appetite, meaning not all products will suit all clients. You should talk to a reputable private client insurance broker to understand which product you think could work for you.
When reading this guide, please bear in mind this directory:
- Does not recommend which product(s) could be right for you,
- Does not assume product appetite or suggest minimum premiums for each product based on features,
- Does not include direct-to-insurance products like Direct Line or the NFU or specific binders like Aston Lark Elite Home, and
- It is an evolving list. Feel free to contact us if you believe this directory needs to include any additional high-value home products.
Contact us today if you want to discuss your high-value home insurance requirements or for an indicative cost and discover which product you could be best suited toward.
Artsure Private Client – MGA
a tailored insurance solution. As an MGA, Artsure has capacity with New India and Sirius Point – click on their links to discover their financial strength.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? No
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Aurum Private Clients – Insurer
DUAL Private Client, through its specialist division Aurum, provides niche High Net Worth and Ultra High Net Worth insurance for broker distribution only. Their bespoke high net worth and ultra-high net worth home insurance are written with the needs of every individual in mind. Discover the Dual financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? No
- Family Protection Included? Yes
- Legal Expenses & Included: Yes
- Home Emergency Included? Yes
Aviva Private Client – Insurer
Having merged to become Aviva in 2000, Aviva private clients offer a suite of high-value home insurance products such as Aviva Smart Home, Aviva Distinct Home and Aviva Private Clients. Backed by their claims and risk management service, clients can benefit from the experience their dedicated team offers. Aviva has been caring for people for 325 years, in line with their purpose of being ‘with you today, for a better tomorrow’. Discover Aviva’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
AXA Advance – Insurer
AXA’s origins can be traced back to a small mutual insurer from Normandy, France: Ancienne Mutuelle de Rouen, created in the early 19th century and specialized in property and casualty insurance. Now, a global powerhouse, Axa can cater for most things, including mid-net worth homes. You view their policy wording here. and discover their financial strength here.
- Ability to add multiple properties? No
- Ability to add travel insurance? No
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Beazley – Insurer
Founded in 1986, Beazley operate on a delegated authority basis as Lloyd’s coverholders. They offer a comprehensive product that covers mid to high value homes and possessions for those based in the UK. You can discover the Beazley financial strength here.
- Ability to add multiple properties? Unsure
- Ability to add travel insurance? Unsure
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? Unsure
- Family Protection Included? Unsure
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Brit Private Client – Insurer
Established in 1995, known as Benfield & Rea Investment Trust, Brit prides itself on underwriting and claims excellence, writing over $2bn of premium globally. Their innovative yet disciplined approach to risk management has resulted in a long record of solid performance. Discover Brit’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses & Included: Yes
- Home Emergency Included? Yes
Chubb Private Client – Insurer
It was founded in 1882 when Thomas Caldecot Chubb and his son Percy opened their marine underwriting business in the seaport district of New York City. Chubb maintains executive offices in Zurich, New York, London, Paris and other locations and employs approximately 40,000 people worldwide. You can take a look at Chubb’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? No
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Covea – Insurer
Founded in 2012 due to the merger of MMA Insurance and Provident, Covéa Insurance is the UK subsidiary of Covéa Group, a French mutual insurance company. They offer two products for mid and high-net-worth individuals: Covea Executive Home and Covea Executive Plus. Discover the Covea’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? No
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Ecclesiastical Private Client – Insurer
Founded in 1887, Ecclesiastical Private Client offers specialist insurance for high-value homes and contents, backed by over 135 years of experience and managed by a dedicated Art and private Client team. You can learn about their product offering and general contact information on the Ecclesiastical Private Client website. Discover Ecclesiastical’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? No
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
GrovesJohnWestrup – Insurer
GrovesJohnWestrup entered the UK Private Client market in 2020. GrovesJohnWestrup Private Clients provides cover backed 100% by MunichRe Group. With one product available, they aim to offer a fresh proposition for insurance brokers and other intermediaries with clients with unique and complex risks. Discover MunichRe’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? Yes, £100,000
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Hiscox Private Client – Insurer
Founded in 1901, Hiscox has a rich heritage in providing specialist insurance and has protected private individuals and their families for over 100 years, initially for fine art and high-value homes. You can find out more about Hiscox on the Hiscox Private Client website. Discover Hiscox’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
HDI Home and Fine Home – Insurer
Founded in 1903, the HDI company has developed from a pure liability insurer for German industry into an international insurance group. HDI offer two home insurance products for mid to high-net worth clients, namely: Home and Fine Home. Discover the HDI financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? No
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Horizon Underwriting – MGA
Sadly, Horizon are no longer trading new business from January 2024.
Founded in 2014, Horizon Underwriting are a specialist Mid and High Net Worth underwriting agency based in Worcestershire, focused on exceptional service to brokers and individuals. Horizon have two private client products available names Longitude and Latitude. As an MGA, Horizon’s capacity is with Aviva. You can discover their financial rating here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Hoxton Insurance Services – MGA
Founded in 2020, Hoxton Insurance Services wants to simplify mid-net-worth insurance through better use of data, technology and digital automation. Acquired by the Ardonagh Advisory in 2024 Hoxton hopes to reinvent how their clients buy and feel about their insurance. Hoxton’s capacity lies with Hiscox. You can discover their financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Pen Premier Home – MGA
Founded in 2015 as a dozen brands coming together, Pen Underwriting is now a single cohesive business. The Pen Premier Home is an auto quote and bind product for brokers. As an MGA, Pen Premier Home’s product capacity lies with Aviva. You can discover Aviva’s financial strength here.
- Ability to add multiple properties? No
- Ability to add travel insurance? No
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? Yes
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Protect Underwriting – MGA
Founded in 2016, Protect underwriting take pride in their tailored and adaptable approach to products and underwriting. Protect Underwriting offer a standalone jewellery/ fine art/ collectables product alongside a high value home solution. Based in London, this MGA seeks to Protect underwriting, underwrite on behalf of Lloyd’s of London, you can discover their financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? No
- Interest-free direct debit? No
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
RSA Preferred Choice – Insurer
RSA is one of the world’s longest-serving general insurance companies and have been around for over 300 years. For mid-net worth customers their Preferred Choice product offers a comprehensive home insurance backed by fast, efficient claims. You can discover their financial rating here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? No
- Ability to add motor insurance? No
- Interest-free direct debit? Yes
- Cyber Protection Included? No
- Family Protection Included? No
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
Zurich Private Client – Insurer
Founded in 1872, Zurich is one of the world’s largest insurers, with over 140 years of experience protecting customers against the unexpected. Zurich Private Clients has an experienced team of high-net-worth experts with specialist knowledge in insuring high-value home clients. You can view the Zurich Private Client product documents on their website. Discover Zurich’s financial strength here.
- Ability to add multiple properties? Yes
- Ability to add travel insurance? Yes
- Ability to add motor insurance? Yes
- Interest-free direct debit? Yes
- Cyber Protection Included? Yes
- Family Protection Included? Yes
- Legal Expenses Included: Yes
- Home Emergency Included? Yes
