Home and valuables insurance is comprehensive cover for higher-value homes and the possessions inside them. It brings the building, its contents, and your fine art, jewellery, and collections together under a single policy, on agreed-value, all-risks terms designed for assets that an ordinary home policy would not fully protect. It is the cover for owners whose home and belongings represent significant value, and who want certainty about what they would receive after a loss. We structure this cover around your property, your possessions, and what they are truly worth.
What home and valuables insurance covers
This is a single policy that protects everything of value in a high-worth home. It covers the building and renovations, the contents, and valuable articles such as fine art, jewellery, watches, antiques, wine, and other collections, together with the household's personal liability. The cover is written on an all-risks basis, including accidental damage, with worldwide protection for possessions you take beyond the home. Rather than a basic policy with low caps, it is built to reflect the real value of a substantial home and what it contains.
The agreed-value difference
What sets this cover apart is how value is settled. Valuables and fine art are insured on an agreed-value basis: you and the insurer fix the sum for each item at the outset, so that a total loss is paid at exactly that figure, without excess or depreciation and without the haggling that can follow a loss on an ordinary policy. Contents are typically settled at full replacement cost, new for old, and the building cover can extend beyond the stated sum where the cost of rebuilding turns out to be higher than expected. The intention is to remove the under-insurance and the small print that leave owners short on a standard policy.
Cover for valuables and collections
The heart of the policy is its treatment of valuable articles. Each piece can be itemised and insured to an agreed value, with cover for loss in market value if a damaged item is repaired, options for pairs and sets, and automatic cover for newly acquired items for a period after purchase. For collectors of art, jewellery, watches, wine, or similar, this is the difference between partial and proper protection. Where a collection is exceptional in scale or value, a dedicated fine art or specie policy may still be the better route, and we would advise on the boundary.
Appraisal and specialist service
Cover at this level usually comes with service to match. A home appraisal can establish the true cost of rebuilding a property and document its features, and specialist appraisers can value fine art, jewellery, and watches so that the sums insured are accurate from the start. After a loss, the policy typically allows you to choose your own repairer or restorer, and offers a cash settlement option where an item cannot be replaced. These are the practical advantages of a policy designed for valuable homes.
Who should consider it
Home and valuables cover suits owners of higher-value homes, and households whose possessions, art, jewellery, collections, and fine furnishings, run beyond what a standard home policy would fully protect. It is also well suited to those with more than one property, including second homes. If the value concentrated in your home and its contents is significant, this comprehensive cover provides certainty that a basic policy cannot.
Where the exposure sits
Even at this level, two things decide whether the cover performs. The first is keeping agreed values current, since the worth of art, jewellery, and property moves, and an agreed value is only as good as the valuation behind it. The second is completeness: valuable items left off the schedule, or a building sum that has not kept pace with renovation, reintroduce exactly the gaps the policy is meant to remove. Reviewing the schedule of valuables, the building and contents sums, and the currency of valuations is where the protection is decided.
How we structure it
We take time to understand your home, its contents, and the valuables you hold, and we place cover with our appointed insurers around their true value. We arrange the appraisal and specialist valuation support the cover provides, set agreed values for the pieces that matter, and advise where a dedicated fine art or specie policy would serve an exceptional collection better. We review the values as your home and the market change, and we remain your point of contact if a claim is made. The aim is a valuable home and its contents insured to their real worth, with no gap and no small print.