High-value buildings and contents insurance
Homeowners need insurance structured to protect their valuable possessions as well as the home’s rebuild costs. Standard policies sometimes have limitations. We’ll select a policy to meet your specific needs from our extensive panel of insurers that specialise in the high-net-worth market.
Insurance for your home
Your home represents a significant investment, so it’s important to have the right level of protection in place. When assessing rebuild costs, we consider a range of factors to help ensure your cover reflects the true cost of reinstatement, including the age of the property, construction materials, fixtures and fittings, interior decoration and potential labour costs.
This careful approach helps reduce the risk of underinsurance and ensures appropriate protection is in place if you ever need to make a claim.
Specialist homes we insure
Some homes need a different approach when arranging insurance, because of how they’re built, where they’re located or how they’re used. We help arrange cover for properties that don’t always fit within standard policies, so the protection in place reflects the home itself.
Listed properties
Listed buildings come with particular responsibilities because they have unique characteristics and often require a bespoke approach to repairs and maintenance.
Work has to comply with conservation requirements and you may be required to use approved materials or engage specialist craftsmen.
Restoring a listed property can therefore take longer and cost more than repairing a modern home, particularly where original details need to be retained.
We ensure the cover reflects the potential cost and time involved in returning the building to its original condition.
Unoccupied properties
Many standard policies limit cover once a property has been vacant for a set length of time. Homes that stand empty for extended periods therefore need careful consideration when arranging insurance.
This can apply when a home is between tenants, awaiting sale, in probate or undergoing renovation.
In these situations, we help ensure the cover reflects the period of unoccupancy and any conditions insurers may require, such as regular inspections.
Farms and estates
Farms and estates often combine a family home with agricultural land, buildings and business activities. This brings different considerations from a typical household policy, particularly where rural crime, environmental exposure or business interruption may be factors.
Insurance can extend to farmhouses, cottages, agricultural buildings, machinery, vehicles and livestock.
Where estates include diversified activities such as holiday lets, equestrian facilities or renewable energy, we ensure the cover reflects the full range of operations involved.
Non-standard properties
Some homes are built or designed in ways that fall outside the scope of a typical household policy. This might include architect-designed homes, premium prefabricated properties such as HUF Haus and homes built using specialist materials, or buildings that have been significantly altered over time.
These properties often need more tailored insurance to ensure their construction and individual features are properly understood.
We help ensure the cover reflects the way the property has been built and the practicalities of repairing or rebuilding it if needed.
Holiday homes
Holiday homes and second properties are not always occupied in the same way as a primary residence. They may stand empty for periods, be used seasonally or occasionally rented to guests.
Our insurers can include coverage for any number of additional properties under the main household policy, no matter how big or small.
We help ensure the cover reflects how the property is used, whether it’s a private retreat, shared between family members or part of a rental portfolio.
High-value contents insurance
While protecting the structure of your home is essential, it is equally important to ensure your most valued possessions are appropriately covered.
In our experience, home contents and collections are often undervalued. If limits are not aligned with the true replacement cost, this can affect the outcome of a claim.
If you have high-value possessions to protect, our team can help arrange cover that reflects their full value. From jewellery, fine art and antiques to prestige cars, we can help secure a policy suited to your home and lifestyle.
We provide independent, trusted advice to help protect what matters most.
Contents and collections
Some possessions within the home need more careful consideration, particularly where individual items or collections have significant value.
These may include jewellery, fine art, antiques or other valuable items that benefit from being properly valued and specified within a home insurance policy.
Jewellery and watches
Valuable jewellery and watches are often insured separately from general home contents, particularly where individual pieces exceed standard policy limits.
Items such as luxury watches, fine jewellery and inherited pieces usually need to be valued and specified within a home insurance policy so their full value is recognised.
Where pieces are worn regularly, stored securely or travel with you, we make sure the cover reflects how they’re kept and enjoyed.
Fine art and antiques
Fine art and antiques are often acquired over many years and may form part of a curated collection. Standard household policies often don’t provide high enough cover limits. In addition, individual items or collections need to be valued and specified within a home insurance policy so their full worth is recognised.
Getting your cover in place
We take the time to understand your circumstances and undertake a comprehensive review before approaching insurers and arranging your cover. From insurer selection to policy wording, every element is carefully aligned so your protection reflects your needs.
You can read more about our approach in The Lumley way. When cover is arranged with this level of preparation, the claims process is typically more straightforward. To understand how we continue to support clients at the point of claim, please visit our claims page.
Next steps
If you’d like to discuss your insurance needs or understand whether our bespoke approach to broking is right for you, our team is here to help.
