High Net Worth Home Insurance

High Net Worth Home Insurance

Specialist insurance for high-value homes, contents, and lifestyles.

When your home and possessions are worth more than the limits of a standard home insurance policy, you need a level of protection designed around your lifestyle.

At The Yorkshire Broker, we arrange High Net Worth Home Insurance for clients who own high-value properties or hold significant assets, providing comprehensive, flexible protection with expert personal service.

What is High Net Worth Home Insurance?

High Net Worth Home Insurance (sometimes called “High Value Home Insurance”) offers a more tailored and generous level of protection for affluent homeowners.

Unlike standard home insurance, which applies set limits to buildings and contents, a high net worth policy provides higher cover levels, fewer restrictions, and support from specialist insurers who understand complex risks.

This type of insurance is ideal for homeowners who:

  • Own a high-value or listed property
  • Have valuable contents, jewellery, or collections
  • Require high single-item limits without needing to list every possession
  • Employ domestic staff such as housekeepers, gardeners, or nannies

What Does High Net Worth Home Insurance Cover?

High Net Worth Home Insurance can be tailored to your individual circumstances, typically including:

Buildings Insurance

Protects your property and outbuildings on an “all risks” basis, often with unlimited or very high sums insured to reflect the true rebuild cost of your home, including fixtures, fittings, landscaped gardens, and listed features.

Contents & Personal Possessions

Comprehensive protection for furniture, furnishings, clothing, art, technology, and other possessions against accidental damage, fire, theft, or loss, both at home and worldwide.

Jewellery, Watches & Valuables

Specialist cover for high-value jewellery, watches, and luxury items, including worldwide protection for loss, theft, or accidental damage, whether worn or kept in secure storage.

Fine Art, Antiques & Collections

Tailored cover for valuable artwork, antiques, sculptures, or collectables, with agreed-value options ensuring you receive the full amount in the event of a loss.

Worldwide All-Risks Cover

Extends your protection globally, ideal if you travel regularly or own property overseas.

Home Emergency Assistance

Provides round-the-clock assistance for urgent household issues such as burst pipes, electrical faults, or security problems.

Technology & Smart Home Equipment

Covers luxury home entertainment systems, IT equipment, and smart home devices.

Legal Expenses

Protects against legal costs arising from property disputes, employment issues with domestic staff, or identity theft.

Why You Need High Net Worth Home Insurance

Standard home insurance may not offer sufficient protection for:

High rebuild costs of large or listed properties

High-value contents that exceed standard policy limits

Complex ownership structures such as trusts or family offices

Multiple homes or properties in different countries

Domestic staff and employers’ liability requirements

High Net Worth Home Insurance ensures your entire property portfolio and possessions are properly covered, without compromise.

Additional Benefits

High-value home policies often come with exclusive benefits, including:

Agreed value for precious items, avoiding disputes during claims

New-for-old replacement on contents and valuables

High single-item limits for jewellery, art, and collectibles

Worldwide all-risks cover as standard

Expert restoration services for art or antiques

Dedicated claims handler for fast, discreet support

Who We Work With

We arrange cover for a range of high net worth clients, including:

Owners of luxury, listed, or architect-designed homes

High-earning professionals with valuable contents

Collectors of fine art, antiques, or jewellery

Individuals with multiple homes or complex asset portfolios

Families employing domestic staff or live-in help

Whatever your circumstances, we’ll arrange a policy that fits seamlessly around your property, possessions, and lifestyle.

Why Choose The Yorkshire Broker?

  • Independent advice and access to leading high net worth insurers
  • Tailored protection for your property, contents, and lifestyle
  • Personal service with a single point of contact for claims and renewals
  • Experience handling non-standard, listed, and luxury homes
  • Discreet, professional service that puts your peace of mind first

We understand that high-value homes deserve high-quality protection. That’s why we take the time to understand your individual needs before recommending a solution that fits perfectly.

Protect Your Home and Lifestyle Today

Your home and possessions represent more than just financial value, they’re part of your life’s achievements. Let us help you protect them properly.

Call The Yorkshire Broker today on 01924 929070 to discuss High Net Worth Home Insurance and get a bespoke quote tailored to your lifestyle.

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