0800 121 4424

High-net worth
home insurance

If your total possessions are worth over £100k, you have a bicycle fleet worth more than £50k or an expensive collection of jewellery or art; you need high-net worth home insurance. 

We have products with generous limits and fewer limitations than our standard home insurance.

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What is high value home Insurance?

High value home insurance is for customers with properties and assets that require an individual approach to cover. Policies are split into specific sections; buildings, contents, fine art, jewellery, liabilities, travel and cyber.

High net worth home insurance cover is extensive, and most significantly, the claims service is outstanding. High-value home insurance covers every risk scenario a busy and affluent person could face.

Whatever your needs, we have you covered

home and bicycle insurance from Pedal Cover. Insure your bicycles as part of your home insurance.

For wealthy clients requiring more than standard home insurance

When you have high-value homes and contents, you need to be confident you have the right cover level. That is why we provide three tiers of protection on our high net worth home insurance, Prestige, Ultra & Ultimate. We’ve made sure our policies are top-rated according to the industry standard. We can also provide cover for holiday homes, overseas properties and building works.

Bespoke insurance with even fewer restrictions

  • All risks worldwide cover, with minimal constraints
  • No onerous security conditions, or max. sums insured
  • Alternative accommodation for up to 5 years
  • Property owner’s & personal liability, both £5,000,000
  • Unlimited pet damage cover
  • Unlimited bicycle cover
  • Business property up to £20,000

Compare high value
home insurance

We use multiple suppliers for high-net-worth home insurance, below is a table from one of the market leaders showing available covers.

 Prestige HomeUltra HomeUltimate Home
All risks worldwide cover✔✔✔
Alternative accommodation/loss of rent (Buildings)2 years3 years5 years
Trace & access£10,000 outside the home£15,000 outside the home£25,000 outside the home
Compulsory evacuation30 days30 days1 year
Emergency access to home (including gardens)UnlimitedUnlimitedUnlimited
Replacement locks/keysUnlimitedUnlimitedUnlimited
Disability through injury – home improvementsX£50,000£100,000
Property owner’s liability£5,000,000£10,000,000£10,000,000
Alternative accommodation (Contents)2 years3 years5 years
Occupier’s & personal liability£5,000,000£10,000,000£10,000,000
Employer’s liability£10,000,000£10,000,000£10,000,000
New acquisitions/additions20% of the contents sum insured for 60 days25% of the contents sum insured for 60 days25% of the contents sum insured for 90 days
Loss of metered water/oil£2,50020% of contents sum insuredUnlimited
Deeds & documents£2,500£10,000Unlimited
Contents in halls of residence/residential care£5,000£10,00020% of the contents sum insured
Business property£10,000£20,000£20,000
Business stock£10,000£10,000£10,000
Fatal injury£5,000£50,000£100,000
Unspecified item limit – fine art, antiques & collectables£15,000£25,000£25,000
Unspecified item limit – jewellery & watches£5,000£10,000£25,000
Guests’ personal effects£5,000£10,000Unlimited
Defective title cover£100,000£100,000£100,000
Market appreciation cover – specified fine art150%150%150%
Family legal expenses£100,000£100,000£100,000
Home emergency cover£500£1,000£1,000
Identity fraud service✔✔✔



Contact us

Mon to Fri from 9 am to 5 pm
The Old Mill, Ewenny, CF35 5BN
0800 121 4424