Insurance, handled by experts
We’ve spent decades helping private clients insure their high-value homes and possessions, giving them the confidence that they’re properly protected and prepared, should they need to make a claim.
A legacy of expertise
Over many years, we’ve developed a deep understanding of the nuances of insuring high-value homes, contents, and collections. That experience means we know where standard insurance can fall short, and where careful preparation makes the difference.
We’ve built longstanding, trusted relationships with many of the UK’s leading high-value home insurance providers, allowing us to arrange a policy tailored to your circumstances.
Our aim is to provide peace of mind with expert advice and personal service that takes the complexity out of arranging high-value home insurance.
We take time to understand your lifestyle and possessions, so your cover can be arranged thoughtfully and accurately. Working closely with insurers who understand these demands, we focus on establishing the right foundations from the outset.
Many of our clients stay with us long term. By building long-term relationships, we’re able to focus on getting the detail right early on, so you can feel confident your cover is arranged properly and ready to support you if a claim is ever needed.
Homes, possessions and more
At Lumley, we insure your home, contents and other valuable assets. Our team of experts is on hand for any questions, and ready to help you protect anything, from antiques and art to the family jewellery.
Homes and contents
Specialist cover for high-net-worth homes and contents, including those that require a more tailored approach, such as properties with higher rebuild values or unique features.
Fine art and collections
Insurance crafted to protect individual pieces as well as entire collections, with careful valuation and ongoing review.
Jewellery and watches
Cover for jewellery and watches that needs to be specified carefully, reviewed over time, and protected properly.
Farms and estates
Insurance for farms and estates, covering homes, land, buildings, and associated assets, with a practical approach that reflects how these properties are owned, used, and managed over time.
Building works
Cover designed to protect your property during renovation, repair, or restoration projects.
Second homes
Insurance for second and holiday homes, including properties that may be unoccupied for part of the year.
Unoccupied properties
Cover designed to protect homes that are temporarily or long-term unoccupied.
Listed properties
Specialist insurance for listed and heritage buildings, arranged with insurers who understand historic construction.
Other ways we can help you
Prestige cars
Prestige and classic cars are often maintained as valued personal assets and form part of a carefully built collection.
These vehicles are typically insured on an agreed-value basis, so their value is clearly established in advance.
Whether cars are driven regularly, enjoyed occasionally or kept as part of a collection, we can arrange cover through specialist insurers who understand the care involved in owning them.
Travel cover
Travel arrangements can often involve more complex itineraries, extended stays or higher-value belongings.
Standard travel policies may not always reflect these considerations or the level of cover required.
Whether travelling frequently, for longer periods or with specific requirements, we can arrange cover through specialist insurers who understand the nature of your plans.
Concierge support
While high-value homes and possessions are our core focus, some private clients also have wider insurance needs. This can include private medical insurance, or advice around protecting luxury assets such as yachts or private aircraft.
When that’s the case, we can help by guiding you through the next steps and, where appropriate, introducing trusted specialist partners. It’s a joined-up, flexible approach designed to make things simpler when your requirements extend beyond the everyday.
The Lumley way
Too often, people only realise the true value of their insurance at the worst possible moment, when they need to make a claim. For some, that’s when it becomes clear their home, or possessions have been underinsured.
It doesn’t have to be that way. At Lumley, we make sure your cover is accurate and you’re prepared when a claim is needed.
Our approach to preparation and certainty is what we call the Lumley way.
Our cover is smart in every sense as we provide intelligent and high-end insurance services to astute clients.
We begin by understanding what matters to you. Your assets, lifestyle, priorities, and the level of protection you need. We look beneath the surface, taking the time to understand your circumstances properly so your cover reflects what’s truly important, not just what’s easiest to insure.
Next, we make sure the sums insured are right. Rebuild costs and valuations for property, possessions, and specialist assets all need to be accurate. Underinsurance is one of the most common reasons claims fall short, so where needed, we bring in trusted surveyors and valuers to help get everything right from the start.
At this point, we may consider your jewellery-wearing habits, current security arrangements and the case for increasing excesses. Once valuations are clear, we look at ways to reduce risk before approaching insurers. This might include security measures, fire prevention, cyber protection, or seeking specialist advice from our wider network. We can recommend trusted partners to advise you on all these matters. These steps help protect you day-to-day and can also strengthen your position when arranging cover.
Once all the previous steps are complete, we place cover with insurers, drawing on our deep knowledge of the high-net-worth market and our relationships with insurers. With the groundwork in place, we focus on securing the most appropriate insurer and level of cover, explaining your options clearly so you understand what’s covered and why it matters.
If you need to make a claim, this is when all the preparation pays off. Valuations are clear, cover is understood, and the process is more straightforward from the outset.
Our claims team stays closely involved, providing clear guidance and steady support when it matters most.
Preparation, clarity, and support sit at the heart of our approach. That’s what ensures everything is in place when insurance is needed.
What our clients say
We’re proud of the long-term relationships we build with private clients and the trust they place in us to protect what matters most. Here’s what some of them have to say.
