High Value Home Insurance
Tailored protection for your luxury home and assets, giving you peace of mind.
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Your home is so much more than bricks and mortar: it’s a place you’re proud of, somewhere you feel safe to create lasting memories. As such you should be free to enjoy the time that you spend there, happy in the knowledge you’ve got the best insurance in place.
As specialist insurance brokers, we arrange comprehensive, individually tailored insurance for high value properties. We can even arrange cover for multiple homes with one premium and one renewal date, giving you time to focus on what matters to you.
We use our in-depth knowledge of the market to assess your insurance needs. That gives us a detailed understanding of the value of your home and its contents, the true cost to repair or rebuild it, as well as any risks it might face. This means we can be sure you’re getting the right cover for the right price. If the worst happens, we’ll ensure you’re fairly compensated and that you have your choice of contractors to conduct any repairs that are required.
For complete peace of mind, our contents policies include new-for-old replacement of personal possessions.
High value home and contents insurance coverage
- Most of our high value home insurance cover we arrange is based on a sum insured, but we can also offer unlimited cover options when appropriate.
- All the policies we arrange offer new-for-old replacement of personal possessions.
- We ensure that you have your choice of contractors to conduct repairs following a loss.
- We arrange insurance policies that cover on an ‘all risks’ basis, giving you peace of mind that you will be covered no matter what happens.
Why choose Miller for your high value home and contents insurance?
- On occasions insurers will want to conduct a survey of your property, either desktop or onsite (which we will attend as your representative), to identify risks and advise owners on how to manage them, and to make sure that sums insured adequately cover the property.
- We provide the option to guarantee the sums insured, offering additional peace of mind.
- We can also look to arrange for you to insure all of your properties under a single policy.
- We are Chartered Insurance Brokers, a title granted by the Chartered Insurance Institute (CII) and held by only a select group of leading firms. This means you can trust that your high value home insurance is arranged by professionals who are committed to delivering expert advice, putting your interests first, and maintaining the highest standards of integrity and care.
Our high value home and contents insurance includes travel insurance
Many high value home and contents policies we arrange include holiday and travel insurance as standard, and we can always arrange this as an additional feature of household insurance where required.
- Cover for holiday cancellation.
- Medical insurance while overseas.
- Cover for adventurous activities such as skiing, sailing or scuba diving.
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.
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What is high value home insurance?
High value home insurance is a specialised type of coverage explicitly designed for properties that are of high value and exceed the limits of standard insurance policies. This includes luxury homes and contents, listed or historic properties, and residences with high-end finishes or unique architectural features.
High value home insurance policies provide comprehensive protection, covering the full cost of repairing or rebuilding your home, using the same quality of materials and craftmanship.
Miller’s high value home insurance is tailored to meet the needs of high-net-worth individuals, ensuring that both your property and valuable possessions are fully protected.
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Why is high value home insurance better than normal?
Unlike standard coverage, high value home insurance offers significantly higher coverage limits to accommodate the unique needs of luxury properties and high-value belongings. This ensures that, in the event of damage or loss, you can repair or replace your home and possessions without being limited by the caps typically found in standard policies.
The high value home insurance policies we arrange at Miller go well beyond the basics. All policies offer new-for-old replacement of personal possessions, ensuring that your items are replaced with brand-new equivalents of the same quality. You also have the freedom to choose your own contractors for repairs, giving you control and confidence during the restoration process.
We arrange cover on an ‘all risks’ basis, providing peace of mind that your property and possessions are protected against a broad range of scenarios—not just specific named events. This level of flexibility and protection is something standard home insurance simply doesn’t offer.
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Who is high value home insurance for?
High value home insurance is designed for those whose properties or possessions are not sufficiently covered by standard home insurance policies. If you have a unique home, high-value contents, or specific coverage needs, this type of insurance could be the right fit.
You may benefit from a tailored quote from our specialist team if any of the following apply:
- Your home’s contents are valued at over £250,000
- You need buildings cover in excess of £1 million
- Your home is listed or of historical significance
- You own high-value items—such as jewellery, watches, or fine art—with a combined value over £40,000
- You have a single item worth more than £20,000
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Can I cover more than one property with a high value home insurance policy?
Yes, our high value home insurance policy can cover multiple properties. We can offer this complex coverage under one premium and renewal date, streamlining the process for you.
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How much does high value home insurance cost?
The cost of high-value home insurance from Miller starts from an annual premium of £2,400. However, this can vary depending on the property's value, location, and security measures.
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What influences the premium on my high value home insurance?
Several factors impact the cost of the premium on high value home insurance. Location, the value of the insured property, the quality of home security, and your claims history can all influence the premium.
Taking extra measures, such as improving your home security, can enhance your peace of mind and ensure you will pay a lower premium.
The cost of high value home insurance depends on several factors unique to you and your property. These include the rebuild cost of your home, the total value of your contents, and any high-value items such as fine art, jewellery, or collectibles.
Other factors like the age and type of property, your location, security measures, and previous claims history also play a role. Optional add-ons such insurance for second homes can also influence the premium.
At Miller, we work with you to ensure your premium reflects the true value of what you’re protecting, with cover tailored to your lifestyle.
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How to value the contents of your home
The most effective way to determine the value of your home's contents is by going from room to room and compiling a long list. A helpful guideline is to include all items that could be taken away with you if you were moving.
It is essential to ensure that your items are insured for their full replacement cost rather than their second-hand worth.
Accurate valuation is crucial; if you underinsure your possessions, you may not receive sufficient funds to replace them in case of a claim. Conversely, over-insuring your contents can lead to you paying more than necessary.
Protect every aspect of your lifestyle
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High Value Home Claims
If you need to make a claim, our dedicated team of experts is here to help.
Rest assured, we’ll support you throughout the process to ensure a smooth and stress-free experience.