High Value Home Insurance for Luxury Properties | SRS Insurance
Protect your luxury home, contents, and valuables with SRS High Value Home Insurance. Tailored cover for high-net-worth clients and multi-property owners.
What Is High Value Home Insurance?
High Value Home Insurance — also known as High Net Worth (HNW) Home Insurance — is a specialist policy designed to protect properties and possessions that exceed the limits of standard home insurance.
It offers wider cover, higher limits, and greater flexibility for individuals with significant assets or luxury lifestyles.
This type of policy is ideal for clients with:
- Homes valued above £500,000 (rebuild cost)
- Contents worth over £100,000
- High-end items such as jewellery, art, designer goods, and collectibles
- Multiple properties, holiday homes, or investment homes
- Lifestyle exposures like travel, wine collections, or household staff
Who Needs High Value Home Insurance?
Typical clients include:
- Business owners and company directors
- Property investors and landlords with luxury portfolios
- Celebrities, professionals, and public figures
- Owners of period or listed homes
- Anyone whose property or contents exceed the limits of standard insurers
If you’ve ever been refused cover due to high rebuild or contents value, this policy is designed for you.
What Does High Value Home Insurance Cover?
A comprehensive HNW policy from SRS Insurance includes:
Buildings Insurance
- Covers full rebuild costs, period features, listed status, and architectural details.
Contents & Valuables
- “Worldwide all-risks” cover for contents, valuables, and personal items — including accidental loss or damage anywhere in the world.
Specific Asset Protection
- Cover for:
- Jewellery and watches
- Fine art, antiques, and collectibles
- Designer fashion and high-end tech
Lifestyle & Additional Covers
- Home Emergency & Legal Expenses (included as standard)
- Cyber Protection – safeguards smart home systems and identity data
- Second Homes & Holiday Homes – add multiple properties under one policy
- Employers’ Liability – protects against claims from nannies, cleaners, or gardeners
Example Scenarios Covered
- A £25,000 Rolex is stolen abroad — fully covered under worldwide valuables protection
- A wine fridge leak damages a rare wine collection
- Storm damage destroys a listed country home — rebuild covered in full
- A £12,000 handbag lost in a taxi is replaced at full market value
Why Standard Home Insurance Isn’t Enough
Standard home policies often fail to protect high-value clients because they:
- Have low single-item limits (£1,500–£2,500)
- Cap contents at £50,000–£75,000
- Exclude art, jewellery, or collectibles without prior valuation
- Lack worldwide personal possessions cover
- High Net Worth insurance offers global protection, concierge-level service, and fewer restrictions.
How Much Does It Cost?
Premiums are based on:
- Property rebuild value
- Contents and valuables sum insured
- Claims history
- Number of homes insured
- Security systems and location
Typical guide:
- Homes worth £1M rebuild / £200k contents: from £800–£2,500 per year
- Higher for multi-home, listed, or art-collection properties
SRS Insurance works with leading high-net-worth insurers to deliver bespoke protection at competitive rates.
Why Choose SRS Insurance?
- Specialists in high value and luxury property insurance
- Access to the UK’s top private client insurers
- Expert valuations and policy tailoring
- Discreet, confidential service with fast claims support
- Dedicated personal adviser for every client
Get a Quote Today
Protect your lifestyle, assets, and peace of mind with SRS High Value Home Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.