For more than 50 years, Goldcrest has arranged high net worth home insurance for discerning clients across the UK. As independent brokers based in Barnet, North London, we look after high-value households throughout the capital and further afield, including professional footballers, celebrities and successful families whose homes, vehicles and possessions warrant a level of care that a standard, off-the-shelf policy simply isn’t built to provide – which is why many clients bring their high net worth car insurance together with their household cover under one broker.
High net worth home insurance – sometimes referred to as high net worth household insurance, or high-value and luxury home insurance – is designed for properties and contents that mainstream insurers are rarely equipped to assess properly. Whether your home is a listed building, a substantial period property, or a contemporary house furnished with genuine valuables, we take the time to understand what you own before recommending cover, and place it with insurers who specialise in this market.
What High Net Worth Home Insurance Covers
- Buildings and contents insured on an agreed-value basis, removing the risk of under-insurance
- Contents cover, including for total contents values over £50,000
- High single-article limits for individually valuable items
- Worldwide cover for jewellery, watches and personal possessions
- Accidental damage as standard
- Outbuildings and grounds – including swimming pools, tennis courts and other substantial garden features
- Family and property owners’ legal protection
- Alternative accommodation should your home become uninhabitable
- Cover for fine art, antiques and collections
Why Standard Home Insurance Falls Short for High-Value Homes
Mainstream home insurance is priced and structured around typical properties, which for a high-value home often means:
- Single-item limits well below the worth of your jewellery, art or watches
- Total sums insured that leave you under-insured and exposed at the point of claim
- Little flexibility for non-standard construction, listed status, or extensive grounds
- Call-centre claims handling, rather than a named contact who understands your policy
A specialist high net worth policy is built to close these gaps. As independent brokers, we compare specialist insurers on your behalf to find the right fit for you – not the cheapest compromise available.
Speak to a Dedicated Adviser
Every policy is arranged around you - not a generic quote. Call now to discuss your requirements directly with our team.
Request a Quote
Speak to one of our advisers and we'll arrange the right cover for your needs.
Specialist Cover for Jewellery, Fine Art, Watches and Collections
Jewellery cover is included as standard across all of our high net worth home policies, and we regularly arrange cover for fine art, antiques, designer watches, wine collections and other valuables. Items can be insured on an agreed-value basis with worldwide protection, so a watch remains covered whether it is at home, in a safe, or on your wrist abroad. Where required, we help arrange professional valuations, so your cover keeps pace with the true value of your collection.
A Personal Service – Home Visits and Annual Risk Assessments
What distinguishes Goldcrest is the service behind the policy. For high net worth clients, we carry out home visits and annual risk assessments, so cover is based on a genuine understanding of your property and possessions, not an online form. These visits often identify security improvements that can reduce risk – and, in turn, your premium. Each year, we review the policy with you to ensure it continues to reflect everything you own.
Second Homes, Holiday Properties and Heritage Buildings
Many of our high net worth clients own more than one property. Whether you have a holiday or second home that needs its own tailored cover, or a listed building with the additional considerations that heritage status brings, we can arrange specialist cover for each property individually, alongside your main residence.
Trusted by Footballers, Celebrities and High Net Worth Families
Over five decades, we have become a trusted name among professional footballers, celebrities and high net worth families who value discretion and expertise. Alongside high net worth home insurance, we arrange high net worth car insurance, footballer car insurance and celebrity home and car insurance, so your household and your vehicles can be looked after under one trusted broker.
Choose Goldcrest for Your High Net Worth Home Insurance
At Goldcrest we have arranged high net worth home insurance for discerning clients for over 50 years, working with insurers who specialise in high-value homes, jewellery and fine art. Every policy is arranged around you, with a dedicated adviser rather than a call centre.
Find out more about how we can help, or get a quote below to discuss your high net worth home insurance requirements.
High Net Worth Home Insurance FAQs
What counts as a high net worth home? ›
There’s no single fixed definition, but insurers in this market typically assess it against rebuild cost rather than market value – a property can be modest in sale price but expensive to rebuild due to construction type, size, or listed status – alongside the value of individually significant contents such as jewellery, art or watches. If you’re unsure whether this applies to you, we’re happy to advise.
Is there a difference between high net worth and mid net worth home insurance? ›
Not in how we work with you. Rather than sorting clients into fixed tiers with different service levels, we tailor both the policy and the insurer to the actual rebuild cost and contents value involved – so cover scales from a step up above standard home insurance through to the highest-value properties on the same advisory basis.
Do I really need specialist high net worth home insurance? ›
If your total sum insured or single-item limits are set too low, you carry the shortfall yourself at claim time under the principle of average – insurers can proportionally reduce a settlement if a property is under-insured relative to its true rebuild cost. A specialist policy is underwritten against your property’s actual rebuild value and itemises high-value contents individually, removing this exposure.
What is agreed-value cover? ›
Agreed-value cover means the insurer sets and agrees the value of a specific item or property in advance, usually supported by a valuation, rather than assessing its worth after a loss has occurred. This removes the dispute and shortfall risk that comes with “indemnity” or market-value settlement, where the payout is negotiated retrospectively and can fall short of an item’s true worth.
Do you cover jewellery, fine art and other valuables? ›
Yes. Jewellery is included as standard, and fine art, antiques, watches and wine collections can be added with worldwide protection, so cover follows the item rather than being restricted to your home address. Where required, we help arrange professional valuations, since insurers will typically expect supporting documentation for high-value individual items.
Do you cover high-value contents as well as buildings? ›
Yes. Contents cover for total values over £50,000 is arranged alongside buildings cover, with high single-article limits set for individually valuable items rather than being capped under a single blanket contents limit as they typically would be on a standard policy.
Can you insure a listed building or second home alongside my main residence? ›
Yes. Listed buildings carry additional underwriting considerations – such as higher rebuild costs tied to using like-for-like materials and methods required by listed status – and second homes bring their own risk factors around occupancy and unoccupied periods. Each property is arranged and rated individually alongside your main residence, rather than assumed to carry the same risk profile.
Do you offer home visits? ›
Yes. A home visit allows an accurate assessment of rebuild cost, contents value and security measures in place, rather than relying on self-reported figures from an online form. Annual risk assessments then keep the sum insured aligned with any changes to the property or its contents over time.
Do you only cover homes in London? ›
No. We’re based in Barnet and look after many North London clients, but we arrange high net worth home insurance for clients across the UK.
Can I get a high net worth insurance quote through a broker rather than an insurer directly? ›
Yes. Many specialist high net worth insurers distribute only through brokers rather than direct to the public, so working with an independent broker gives you access to a wider panel than approaching insurers individually – and we compare across that panel on your behalf.
