High Value Home Insurance

High value home insurance is designed for properties and contents whose value exceeds the limits of standard home insurance policies. This typically includes homes with a rebuild cost over £1 million, contents valued above £250,000, or properties with unique characteristics such as listed status, bespoke construction or luxury finishes.

At Miller, we arrange bespoke high value home and contents insurance for private clients who need protection that reflects the value of their property, possessions and lifestyle.

Who needs high value home insurance?

High value home insurance is typically suitable when the value, complexity or individual features of a home mean standard insurance policies may no longer provide enough protection.

You may benefit from high value home insurance if any of the following apply:

• Your home has a rebuild cost in excess of £1 million
• Your home’s contents are valued at over £250,000
• You own high value items such as jewellery, watches, fine art or collectibles with a combined value over £40,000
• You have a single item worth more than £20,000
• You own more than one property and want them covered under a single policy
• Your home is listed, of historical significance or architecturally unique

If you recognise any of the above, high value home insurance may be appropriate.

What does high value home insurance cover?

High value home insurance provides comprehensive protection for your property, contents and valuable possessions, designed to reflect their rebuild or replacement cost rather than being limited by standard policy limits.

Buildings cover

High value buildings insurance covers the cost of repairing or rebuilding your home following damage or loss, subject to the policy terms and conditions. This may include the use of appropriate materials and specialist craftsmanship, which is particularly important for listed, period or architecturally unique properties.

Contents and valuables cover

High value contents insurance protects your personal possessions against loss or damage, typically on an ‘all risks’ basis (subject to policy terms and exclusions), both inside and outside the home. The policies we arrange may also include new‑for‑old replacement, meaning items can be replaced with new equivalents of the same quality where possible.

Cover can extend to a wide range of valuables, including jewellery, watches, fine art and collectibles, whether individually specified or protected within agreed limits, ensuring your most important possessions are appropriately safeguarded.

Flexibility and claims support

In the event of a claim, we will always work with you to provide a fair outcome and help provide the flexibility to choose contractors or specialists to carry out repairs, helping to maintain the character and quality of your home.

How Miller arranges high value home insurance

Arranging high value home insurance requires a detailed understanding of your property, possessions and the risks you face. At Miller, we take a careful, considered approach to help ensure your cover is accurate, comprehensive and appropriate for your individual circumstances.

We use our in-depth knowledge of the market to assess your insurance needs. This includes understanding the rebuild cost of your home, the value of your contents and any unique features that may affect the level of cover required. In some cases, insurers may request a survey of your property, either conducted remotely or onsite. Where this is required, we will attend on your behalf, working with insurers to identify risks, to help ensure sums insured are accurate and agree suitable terms.

If the worst happens, we act as your advocate throughout the claims process. We work closely with insurers to provide a fair outcome for you and to help ensure that repairs or reinstatement are handled appropriately, including the use of specialist contractors where required.

Additional travel insurance cover with high value home insurance

As part of our tailored approach, some high value home and contents insurance arrangements can include travel insurance. These additional coverages can  seamlessly be integrated into your high value home insurance, allowing your home and travel insurance to be managed together under one comprehensive plan.

• Cover for holiday cancellation.
• Medical insurance while overseas.
• Cover for adventurous activities such as skiing, sailing or scuba diving (subject to policy terms).

Travel insurance for serious pre-existing medical conditions

There may be times when serious pre-existing medical conditions declared under your travel insurance policy will not be covered by your insurer. Where this is the case, please refer to the MoneyHelper directory, which contains the details of specialist insurance companies who can provide this type of cover.

Why choose Miller for high value home and contents insurance?

Choosing the right broker is an important part of arranging high value home insurance. At Miller, we provide specialist advice, a tailored approach and a level of service designed to meet the needs of private clients with high‑value properties and possessions.

Specialist private client expertise

We arrange insurance for high value homes on a daily basis, working with insurers who understand the complexity of high‑value properties, contents and lifestyles.

Accurate assessment of risk and value

We take the time to help ensure rebuild costs, contents values and individual item limits are set correctly, reducing the risk of underinsurance and disputes at claim stage.

Support with surveys and risk management

If insurers require property surveys, we work with you throughout the process and attend on your behalf where appropriate, helping to deliver fair and accurate outcomes.

Advocacy at claim time

If you need to make a claim, we act as your representative, working with you and insurers to deliver a claims process, that is handled efficiently, fairly and provided with minimal disruption to you.

Chartered Insurance Brokers

We are a Chartered Insurance Broker, a title awarded by the Chartered Insurance Institute (CII) and held by a select group of firms that meet the highest standards of professionalism, integrity and client care.