High Value Home and Contents Insurance

What is it?

High Value Home and Contents Insurance offers greater protection both for your home and your belongings. Your assets are worth more, and therefore the cost of a claim is higher and can be more complex. You need to know that your home and valuables are covered, whether they are at home or with you when you travel or go about your daily life.

Who needs it?

Since there are more houses than ever before that are worth more than £1 million, it’s difficult to define what ‘high value’ means, but it really refers to homes that are out of the ordinary. A prestige or character home, or homes, needs specialist insurance to ensure your property is fully protected.

In addition, most home insurance doesn’t cover items that cost more than £1,000 or £2,000 to replace. If you have even a few high value items, it can get very expensive to add those into standard home insurance policies. Specialist high value insurance gives you the cover you need for the items you treasure.

What does it cover?

We’ll make sure that your policy is tailored to you, and may include:

• Unlimited rebuilding cover
• Worldwide all risks cover, so your possessions are covered, wherever you go
• Higher single article limits for jewellery, fine art and all contents
• Higher levels of travel insurance
• Cover for additional properties

Our rhg Private Client Executive can visit you and your home to assess your needs and make sure that you get the right insurance and are not over, or under, insured.