High Value Buildings & Contents Insurance

At Lumley Insurance, we understand that our homes are not only a significant financial investment, but the nucleus around which our daily lives revolve; and choosing the right household insurance policy should be as important as choosing the home itself.

We offer a diverse selection of high value insurance policies tailored to the varying requirements of high net worth individuals, provided by market leading insurers hand-picked by our directors for their comprehensive levels of cover and flexible approach. No two clients or their possessions are the same – why should their insurance be?

It’s important to be certain that all aspects of your home and the contents within it are adequately insured to fully protect your interests should the worst happen. Making the decision to ensure you are properly covered could save you time and money in the wake of an unforeseen event.

The experienced executives at Lumley are on hand with personal and impartial advice and recommendations on the best options available to you for your high value insurance. We would also be happy to visit you at home to discuss your own specific requirements and offer advice on the levels of cover and products most suited to your lifestyle and individual needs.

Buildings – are you adequately insured?

When insuring high value properties you should consider elements such as construction materials, age, fixtures & fittings, interior decoration and potential labour costs when determining an appropriate rebuilding cost for your property. 

It is unwise to base your rebuilding cost on mortgage surveys, market value or to opt for a mass market policy that will cover your Buildings on an “unlimited” basis, as you risk finding yourself underinsured when it matters most.

high value building and contents interior

Contents – have everything covered?

From our experience many clients underestimate the value of their contents. You should be confident that the levels of contents coverage provided under your policy truly reflect the replacement value of all the items you own. This should include electronic equipment, white goods, clothing and soft furnishings.  

Of course, your contents may also contain more specific valuable items such as fine art, antiques and jewellery. All of our policies extend to cover these higher value possessions under their own sections, tailor made to accommodate contents that are far from ‘general’ – they won’t be hidden away under a total figure and subject to an unrealistically low value limit.

Our panel of insurers are able to offer buildings and contents appraisal services in partnership with professional surveyors and valuers, so you can rest assured that your assets are fully protected from top to bottom, both inside and out.