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High value home insurance

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1Correct as of February 2026

What is high-value home insurance?

High-value home insurance is buildings and contents cover designed for expensive homes and valuable belongings. It provides a higher level of protection than standard home insurance.

Like standard home insurance, it’s split into two types of cover:

High-value contents insurance can cover items that exceed an insurer’s single-item limit, which can vary depending on the provider.

High-value buildings insurance can cover the cost of repairing your home’s structure and fittings if it’s worth over a certain amount.

Do I need high-value home insurance?

You might need high-value home insurance if:

  • Your home has more than three bedrooms
  • You own items such as artwork or instruments that exceed your home insurer’s single-item payout limit, meaning they wouldn’t be fully covered under a standard policy
  • Your home is listed, has a thatched roof, or other specialist features

Standard policies have limits that may not fully cover expensive homes or valuable items - high-value cover can ensure you’re properly protected.

What type of house might be considered high value?

Listed building

These often cost more to insure because historic or protected features require specialist materials and skilled repairs.

Thatched roof

Thatched roofs need specialist craftsmen and materials to repair, and they’re more vulnerable to fire and water damage, which can increase claim costs.

Non-standard home

This includes listed properties, timber-framed houses, and homes with thatched roofs. They can be harder and more expensive to repair, so higher-value insurance cover may be needed.


What our home insurance expert says

"If your home or possessions are of particularly high value, some home insurance providers may require certain security measures, such as alarms or cameras, to ensure you’ve taken all reasonable steps to protect them. It’s important to be aware of these requirements so your coverage remains valid."
Matthew Harwood, Home & lifestyle insurance expert at Confused.com
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What is high-value contents insurance?

High-value contents insurance covers high-value items like paintings or expensive furniture. It's worth checking your policy to see what the insurer classes as high-value. If you have lots of expensive items, a standard policy might not be enough for you.

You can get specific types of insurance for different high-value items, including:

Jewellery

Jewellery insurance could be useful if your jewellery is worth more than the single-item limit on your contents insurance, as standard cover may not pay the full value if it’s lost, stolen, or damaged.

Engagement and wedding ring

You could insure your engagement or wedding ring on your contents insurance if it's under a certain amount. But it might not be covered away from home. Engagement and wedding ring insurance should cover you for this and offer a higher single item limit.

Watches

If you have an expensive watch, you could buy watch insurance. It has a higher single item limit. So if you need to claim, your pay out should cover the cost of replacing the watch. Watch insurance usually covers your watch while it's away from your home too.

Do I need to insure high-value items separately?

Common exclusions can include:

  • Deliberate damage to your home or belongings by you or your family
  • General wear and tear
  • Loss or damage to contents in storage
  • Damage caused by negligence or poor maintenance
  • Faulty workmanship
  • Accidental damage when your home is unoccupied
  • Claims exceeding the single-item limit (unless listed and agreed with your insurer)
  • Subsidence affecting driveways, pools, or other grounds

Always read your policy carefully to understand exactly what’s excluded.

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How much does high value home insurance cost?

The best way to see your price is to get a quote.

Here are some factors that may affect it:

How to get the best deal on high-value home insurance

When getting a quote, provide accurate information to ensure you’re not paying too much - or too little- as this could leave you underinsured.

Before purchasing, make sure you read your policy documents carefully to confirm it provides the cover you need.

Some insurers might also require specific home security measures. Understanding how to protect yourself from burglary and the different types of burglar alarms can help you meet these requirements.

By taking these steps, you can feel confident that your home is well covered and secure.

Need help working out your rebuild or contents value?

Use our rebuild calculator to get an accurate estimate for your property.


Use our contents calculator to estimate the cover you might need for high-value items.


Tell us the value of items in your living room that you need cover for

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Frequently asked questions

What is considered high-value?

High-value typically exceeds standard policy limits that are set for buildings and contents. It's for expensive homes (often with a rebuild cost over £1m), and/or costly contents like fine art or jewellery.

What is the single-item limit on high-value home insurance?

For high value policies, the single-item limit usually starts at around £5,000 and can go up to £100,000 or more.

Does high-value home insurance cover accidental damage?

This includes listed properties, timber-framed houses, and homes with thatched roofs. They can be harder and more expensive to repair, so higher-value insurance cover may be needed.

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