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High Value Home Insurance

At Highworth Insurance we specialise in high value buildings and contents insurance. We have access to a range of high calibre insurers, enabling us to tailor cover to your precise requirements.

High value home insurance tailored to you

All of our high value home policies are tailored to meet your specific requirements. Our experienced account managers are trained to understand your needs and to put together the most cost effective solutions from our range of insurers.

Worldwide all risks cover for: home contents, jewellery and personal possessions

Highworth Insurance contents policies normally start with at least £50,000 of cover and can range up to several million pounds. We can also secure all risks cover for lower amounts, for example where your jewellery and art are the greatest proportion of your contents.

Secure a whole range of additional benefits

The features of our high value home insurance policies vary slightly, but all come with a wide range of additional cover. Our most popular benefits typically include:

Ability to add multiple properties on your policy
£15,000 of business equipment cover included
Wind propelled watercraft up to 12’ and surf boards included
Cover for parents in care homes
Golf buggies, class 1 and 2 mobility scooters included
Identity theft cover up to £25,000
Quad bikes, go carts and off road motorcycles up to 50cc included
Cover for children’s belongings at university
£20,000 of marquee cover included
£500 hole in one golf cover included. Handy for the 19th hole!

Ready to get a quote? Our account managers will be happy to help with any questions you may have.

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What's included in the policy?

Whether you are travelling abroad with your jewellery or worried about leaving expensive art at home, wherever you are, your possessions are sufficiently insured.

Worldwide all risks cover included
Worldwide all risks cover for: home contents, jewellery and personal possessions
- Worldwide all risks cover
- No need to specify art and antiques below £50,000 or jewellery below £15,000 with some insurers
- 3 years alternative accommodation if you have to move out of your home with some underwriters
- A flexible and pragmatic approach to security requirements
- Our account managers work to provide hassle free quotes quickly and efficiently, with instant quotes available for some levels of cover
Annual Travel Insurance (optional)
Annual travel insurance for you and your household is available as an optional addition to your home insurance package with some of our insurers.
- Pre-existing medical conditions can be considered on a case by case basis.
- The Money and Pensions Service has launched a travel insurance directory on its Money Advice Service website for people with serious pre-existing medical conditions. This link can be found here https://traveldirectory.moneyadviceservice.org.uk/en
Family Legal Expenses Cover (optional)
Family Legal Expenses provides cover for a range of legal disputes covering domestic property, consumer contracts, employment disputes and professional negligence.

We would recommend that you read the policy wording and the key facts document to fully appreciate the cover provided and any exclusions and limitations.
- Consumer contract disputes for the purchase or hire of services for private use and the sale of privately owned goods
- Professional negligence disputes with solicitors, accountants and surveyors. You must have entered into the agreement after the start of this policy
- Employment disputes relating to your contract of employment with the exception of Directors
- Legal defence for prosecution in a criminal court out of the sale or supply of privately owned goods
- Loss of salary to attend a court or tribunal at request of the appointed representative or as a defendant provided the salary is not recoverable from the court
- Modest excesses of only £75 on all claims except employment disputes which are £250
- On all claims the amount in dispute must exceed £250 and the maximum paid out in a year is £50,000
- Boundary disputes in the first 180 days are not covered unless the policy is a renewal
- This product is optional with some insurers & inclusive with others. Ask your account manager for more information
Emergency Assistance (optional)
Dedicated 24 hour telephone assistance 365 days a year for home emergencies.
- Cover for up to £500 for emergency repairs in the event of:
  - Burst pipes or sudden leakage
  - Failure of your domestic water mains or electricity supply
  - Blocked drains or sewers
  - Failure of domestic heating
  - Inoperable toilet where no other exists in the home
  - Failure or damage to locks, doors or windows
  - Failure of roofing, guttering or down piping where further water damage will result
  - Infestation of pests
- Up to £100 for overnight accommodation should your home become inhabitable
- There is no excess on this policy
- There are a number of exclusions and some limitations. These are covered in detail in the policy wording. They include:
  - Repairs will be carried out to resolve the emergency and not to make a permanent repair
  - Exclude circumstances known by you at the start of this cover
  - Excludes day to day property maintenance
  - Excludes equipment not installed or maintained in accordance with statutory regulations or manufacturer’s instructions
  - Excludes damage incurred when the property has been left unattended for more than 30 days
- This product is optional with some insurers & inclusive with others. Ask your account manager for more information
Key Cover (optional)
Up to £1,500 of insurance cover should the keys attached to your issued fob are lost, stolen or are damaged in locks or ignitions.

We would recommend that you read the policy wording and the key facts document to fully appreciate the cover provided and any exclusions and limitations.
- Covers locksmith charges, new locks and keys, car hire and onward transport costs
- Covers all the keys on the fob including expensive car keys which can cost several hundred pounds
- Up to 3 days car hire to £30 per day if you are stranded or your car is unusable as a result of being lost, stolen or damaged
- There are some restrictions where cover does not apply which include:
  - If the keys are lost, broken or stolen by someone else
  - If there are duplicate keys available reasonably quickly
  - Sums exceeding £50 per incident if an insured key is locked inside a property or broken in a lock or ignition
- This product is optional with some insurers & inclusive with others. Ask your account manager for more information.

We would always recommend that you read policy wordings and key facts documents to fully appreciate the cover and any exclusions and limitations.

To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote

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High Value Home Insurance

High value home insurance tailored to you

Worldwide all risks cover for: home contents, jewellery and personal possessions

Secure a whole range of additional benefits

What's included in the policy?

Worldwide all risks cover included

Annual Travel Insurance (optional)

Family Legal Expenses Cover (optional)

Emergency Assistance (optional)

Key Cover (optional)