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What is High Value Home Insurance?

High Value Home Insurance is for those who require more than just a standard, one size fits all, insurance policy. If the market value of your home is greater than £750,000 and your contents amount to at least £85,000, then you really should consider a more bespoke insurance solution. You can also use this type of policy to insure individual items or collections of valuables, jewellery, artwork or antiques.

Why should you consider High Value Home Insurance?

  • Unlimited Cover for buildings and contents insurance.
  • No requirement to estimate the value of your buildings and home contents means you do not have to worry about being under insured.
  • Worldwide  jewellery cover 365 days a year. 
  • Warranty-Free – If you forget to shut your window, lock your door or set the alarm, you will still be insured.
  • Higher Limits – You only have to specify items of jewellery that exceed £15,000 in value and artworks or antiques in excess of £50,000.
  • Claims Service Included – as your broker we will negotiate any claim on your behalf with the insurance company.

Most popular policy benefits:

  • Multiple UK homes on the same policy.
  • Worldwide all risks cover as standard.
  • Accidental damage cover as standard
  • Replacement or cash settlement for valuable items.
  • Home Emergency cover up to £1,500.
  • Identity Theft up to £50,000.
  • Cover for children’s possessions at university.
  • Interest Free Direct Debit.


 

How do you know which insurer to choose from?

There are so many insurance providers out there for high net worth individuals to choose from. Many insurers will mention being Defaqto 5 star rated but the problem is that the policy coverage provided by each insurer is practically the same. This is where your broker comes in. At Stanhope, we know the history and the philosophy of each of our insurance partners. We know which insurers are the most suitable for either listed buildings, new build homes, cottages, townhouses and penthouses. Above all else, we focus on their longevity, price consistency and their claims service.

Why choose Stanhope?

Stanhope is part of Stanhope Cooper, an award winning, family run business, based in London and Hampshire. We are pleased to say that we were voted as High Net Worth Insurance Broker of the Year 2018 by a major industry publication. We have access to the leading home insurance products in the UK that are in most cases not available directly with an insurance company. Stanhope provides all our clients with a dedicated account manager and in the event of a claim, we will negotiate on your behalf to make sure you receive the best possible settlement. We also provide clients with a Client portal and app which means you can have all your insurance in one place.

Get a quote or call us on 01730 777 600