Goldcrest Insurance has arranged high net worth home insurance for more than 50 years. As an independent broker based in Barnet, North London, we look after high-value households across the capital and throughout the UK, including professional footballers, celebrities and successful families whose homes and possessions need more than a standard, off-the-shelf policy.
High net worth home insurance, sometimes called high value or luxury home insurance, is designed for properties and contents that mainstream insurers struggle to cover properly. Whether your home is a period property, a listed building or a contemporary house full of valuables, we tailor the cover around what you actually own and arrange it with insurers who specialise in this market.
What High Net Worth Home Insurance Covers
Our high net worth household policies are built around your circumstances rather than a tick-box template. A typical policy includes:
- Buildings and contents insured on an agreed-value basis, so you are not caught out by under-insurance
- High single-article limits for valuable individual items
- Worldwide cover for jewellery, watches and personal possessions
- Accidental damage as standard
- Family legal protection
- Alternative accommodation if your home becomes uninhabitable
- Cover for outbuildings, fine art, antiques and collections
Every policy is arranged to reflect the true value and replacement cost of your home and belongings.
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Why Standard Home Insurance Falls Short for High-Value Homes
Most mainstream home insurance is priced and structured for typical properties. For a high-value home, that often means:
- Single-item limits far below the value of your jewellery, art or watches
- Total sums insured that leave you under-insured and exposed at claim time
- Little flexibility for non-standard construction, listed buildings or extensive grounds
- Call-centre claims handling rather than a named contact who knows your policy
A specialist high net worth policy removes these gaps. As an independent broker, we compare the specialist insurers to find the right fit for you, rather than the cheapest compromise.
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 is covered whether it is at home, in a safe or on your wrist abroad. Where needed, we help you arrange professional valuations so your cover keeps pace with the real value of your collection.
A Personal Service – Home Visits and Annual Risk Assessments
What sets Goldcrest apart is the personal service behind the policy. For high net worth clients we carry out home visits and annual risk assessments, so your cover is based on a proper understanding of your property and possessions rather than an online form. The visit also helps identify security improvements that can reduce risk and, often, your premium. Each year we review the policy with you to make sure it still reflects everything you own.
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.
Why Choose Goldcrest
- Independent broker established in 1975, with over 50 years arranging high net worth cover
- A 90% client retention rate, year after year
- Direct access to experienced advisers, not a call centre
- Hands-on claims support when it matters most
- Based in Barnet, serving North London and clients across the UK
Frequently Asked Questions
What counts as a high net worth home?
There is no single definition, but high net worth home insurance is generally for homes with a high rebuild cost, or particularly valuable individual items such as jewellery, art or watches. If you are unsure, we are happy to advise.
Do I really need specialist high net worth home insurance?
If your home or contents are high in value, a standard policy can leave you under-insured, with single-item limits that fall short and gaps that only become clear at claim time. A specialist policy is built around your actual property and possessions.
What is agreed-value cover?
Agreed-value cover means the insurer agrees the value of an item or property upfront, so there is no dispute or shortfall if you need to claim.
Do you cover jewellery, fine art and other valuables?
Yes. Jewellery is included as standard, and we regularly arrange cover for fine art, antiques, watches, wine and other collections, including worldwide protection and help with valuations.
Do you offer home visits?
Yes. For high net worth clients we carry out home visits and annual risk assessments so your cover is tailored accurately and reviewed each year.
Do you only cover homes in London?
No. We are based in Barnet and look after many North London clients, but we arrange high net worth home insurance for clients across the UK.
Speak to a specialist about your high net worth home insurance today! Request a call back below or get in touch.
