What is defined as a 'high-value' home?

The definition of 'high-value' is subjective. We regard it as anything you feel is high-value and want protected correctly.

If I move home do I need to take out a new policy?

No, you will be able to change your existing policy unless, there are any adverse risk issues with your new property (e.g. flood area).

Does it matter if the property is unoccupied?

If it’s unoccupied for less than 30 days there is not an issue; even 60 days unoccupancy is often acceptable. Beyond 60 days there may be restrictions in cover.

What is defined as personal belongings/possessions?

Anything you take with you when you leave the house on a day-to-day basis, or if you are away for an extended period of time. This includes clothing, footwear, personal electronics, jewellery, and watches.

How do I work out the rebuild cost for my property?

Previous insurance documents, or any documents relating to the purchase of your property, may contain the sum insured. If you cannot access these, you can go to a calculator devised by the Royal Institution of Chartered Surveyors (RICS) to help with sums insured. www.calculator.bcis.co.uk/ .

How can I work out the value of the contents in my home?

Contents insurance covers all household possessions, such as furniture, electronics, and carpets, as well as high-value items like art and antiques. Try our contents calculator to estimate the value of your belongings.

High-Value Home Insurance | Alan Boswell Group

Name: High-Value Home Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

High-Value Home Insurance

If your home contains treasured possessions, antiques, and valuables then chances are you will require specialist home insurance tailored to your needs.

High-value items such as jewellery and watches covered

Cover for fine art and antiques

Identity fraud

Independent valuations

Dedicated contacts and account managers

Off the shelf solutions are not always suitable for clients with bespoke insurance needs, instead, a personal service with a tailored solution is recommended.

The Alan Boswell Group Difference

Our home insurance specialists recognise that no two homes are the same, so we will tailor a high-value home insurance policy to help you ensure that your most precious possessions are covered. With our dedicated team solely dealing with high-value customers, we are well positioned to provide you with the first-class service you require. Having access to a selection of quality, high-value insurance companies, and being independent, we are able to provide advice and guidance on which insurers are suitable for your requirements.

Insurance adviser for business insurance

How our customers rate us

Very helpful friendly staff spent time finding the right insurance cover for us.

Mr & Mrs Reynolds - Household Insurance

4.9/5 1420 reviews

High-value home insurance in detail

High-value home insurance can include:

Building cover

Cover for your property for repair or rebuild following a claim e.g. fire, flood etc.

Contents cover

Covers damage or theft of contents within your property.

Accidental damage

Extra cover for accidental damage e.g. spilling wine on carpets.

Personal belongings

Cover for personal belongings while out of the home e.g. watches, clothes, electronics etc.

Contents in the garden

Cover for items in the garden e.g. garden furniture, ornaments etc.

Identity theft

Cover for costs to repair your credit status and defend your name.

Fine art and valuables

Theft and repair cover for fine art and valuables.

Family legal cover

Cover for legal expenses for a variety of legal disputes e.g. personal injury, consumer disputes etc.

Alternative accommodation

Cover for alternative accommodation in the event your property is uninhabitable following a claim.

When stating the sum insured for your buildings, it should be for the estimated rebuild cost of the property rather than the market value. Providing a correct sum insured will mean you do not pay inflated premiums.
If there are any changes in circumstances for your property e.g. undertaking renovation, or letting out rooms, you should let your insurance provider know as claims may be invalidated if they are unaware. If in doubt, it is always better to speak to us.