High Value Home Insurance

Protect your most treasured possessions.

Our homes are often our most valuable asset and if you have a property that is worth more than £500,000 or contents over £75,000 then you want to be sure that your home and its valuables are suitably protected.

Standard home insurance may not offer sufficient cover for expensive items such as antiques and fine art, which is why high value home insurance is essential.

N&P's specialist team will provide you with a dedicated high value home insurance expert who will discuss the level of cover you require, then find the most appropriate policy to fit those needs. In some circumstances we can even arrange a free survey and valuation of your contents, if required. 

Ensuring peace of mind for our customers is at the heart of what we do. We understand that you do not want any nasty surprises should you ever need to claim and we also don't want to charge you for cover that you don't need.

To make sure your most treasured possessions are covered, call our specialist home insurance team today on 01223 273 118.

Exclusions and limitations apply. Our expert advisers will aim to get the most appropriate cover for your individual needs. We'll talk you through exactly what's covered and what's not, including any limits that apply when you call for a quote.

At N&P we want to find you the perfect insurance to suit your special home. There are some things we'll need to ask in order to tailor-make your specialist cover, which may be a little more detailed to standard insurance questions, so it would be useful to have some of the information below to hand when you speak to us.

Construction
We'll need to know what the walls and roof are made of and what year the property was built.

Heating and electrics
Please tell us if you have any wood burners and how the property is heated. We'll also need to know if the property has had an electrical inspection and if so, what year.

Second homes
If you are getting a quote for a second or holiday home, please tell us how long the property is left unoccupied.

Flood Risk Areas
What is the proximity and height of your property to any body of water. In most cases we are able to pin point your property on a map and explain its position to an insurer when negotiating your premium for you. Any information you have about the local history, previous flooding and if any defence work has been carried out is also very useful to us.

Tall Trees
One of the main causes of subsidence claims, to period or non-standard construction homes, are tree roots. It is important that we make insurers aware of any trees within close proximity (up to 25 metres) of your property

Security Details
Depending on your location and contents value, some insurers may require you to have 'minimum security' in place. Minimum security is nothing more than ensuring the doors and windows have suitable locks to deter burglars.

Thatched Homes
If your property is thatched then we'll need to know if all the chimneys are lined, insulated, and when the roof was last replaced. We'll also need to know the method of heating, including any woodburners amd multi fuel stoves.

We have selected only the finest insurance products to ensure that your home has the levels of cover required to restore it to its former glory if the need arise. But there are some measures you can take to reduce the risks yourself:

• Fit a highly sensitive smoke detection system. Many fire claims, and indeed lives lost, can be reduced if only smoke detectors had been fitted. Catching a fire at the very early stages when perhaps something is just overheating or smouldering can save not only lives, thousands of pounds, but also the fabric of your home.
• Ensure you have suitable fire fighting equipment to hand such as fire blankets and extinguishers.
• Review your properties security and think about the installation of an intruder alarm, outside lighting and surveillance. Also think about the level of physical protection such as good quality deadlocks on all external doors and windows. Your local Police or a security professional would be able to advise you on the most appropriate methods.
• Get your contents valued every three to five years, but you should review annually to take into account any purchases or major rises in value of particular items. These days, high value assets are far more diverse than traditional "family heirlooms" such as art and antiques, so consider the value of everything from wine collections to designer labeled clothing.
• Remember to inform your broker of any recent purchases or increase in value of possessions.

Here is a quick reference guide that you can use to check how well protected your home is. Much of the information given here is just plain common sense; but it helps to check in case something has been missed. To read the full General Advice Guide, click here.