If your contents exceed £150,000 and your rebuilding cost is more than £750,000, it’s worth seeking specialist home insurance for high-net-worth individuals.
If your assets surpass the value limits of standard policies, reach out to SP Insurance Services Limited, and we’ll find the right policy for you.
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Let SP Insurance take care of your property
As SP Insurance finds insurance for both standard and high-value homes and contents, we’re ideally placed to secure a policy that keeps your premium items covered while also offering a competitive cost for the cover.
Who needs high-net-worth contents insurance?
If you have high-value heirlooms or items, such as clothing, artwork, ornaments and jewellery, you should consider the cost of repairing or replacing these.
Typically for mid-net-worth policies, the specification limit is £5,000.00, while a high-net-worth policy will be £15,000.
A standard policy provider might not cover you or may charge a higher amount for the cover, so it’s worth comparing with a specialist.
What does high-net-worth building insurance cover?
Buildings insurance covers the cost to repair or rebuild the structure of your home, including walls, roofs, and foundations. This also includes permanent fixtures and fittings, such as kitchens and bathrooms, as well as the trace and access of a leak on the property.
How do you calculate how much building insurance cover you need?
Start by considering the rebuild value of your home. If this exceeds a certain threshold, you should seek specialist insurance with a high-value policy.
Dowiedz się więcejWhat items can be covered?
With insurance sourced by SP Insurance, accidental damage is always automatically included, and contents will be covered on a worldwide basis.
Dowiedz się więcejCzęsto zadawane pytania
Is high-net-worth contents insurance worth it?
If your collective possessions, investment pieces and rebuild cost of your property runs up into the millions, you will want to seek specialist high-net-worth cover to support and protect your lifestyle. If a standard policy won’t cover the items or the cost of your cover is too expensive with a regular insurer, that’s where you benefit from using a specialist contents insurer.
What affects the cost of high-net-worth contents insurance?
The amount you’ll pay for your contents insurance will depend on various factors, including how much excess you’re willing to pay, the replacement value of your items and the rebuild cost of your properties.
