High value home insurance

We go beyond standard policies to offer high value home insurance designed for properties of distinction, including listed buildings, estates and prime residential addresses.

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Specialist high value contents and accidental damage cover

We can provide tailored high value home insurance designed to go beyond the limitations of standard home insurance. With high value home insurance cover, you can benefit from protection that reflects the unique needs of your property and lifestyle.

Policies include worldwide cover, ensuring your home and possessions are safeguarded wherever you are, as well as extended replacement cover to protect against rebuilding costs that exceed expectations.

In addition we have options for alternative accommodation cover, providing reassurance that, should your home become uninhabitable, you and your family can continue living in comfort. From properties with unique features to collections of fine art, Clear Insurance help ensure that everything is protected at the correct market value with the right specialist cover in place.

High-value home insurance provides bespoke cover tailored to the unique needs of each property, ensuring that your buildings, contents and valuables are fully protected. Speak with our team today, so we can help ensure your high value properties and valuable items are properly covered.

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Our policies include:

Comparable alternative accommodation

If your home becomes uninhabitable due to an insured event, you will be provided with accommodation that is comparable to your current property. This ensures that you can maintain your standard of living and continue your daily routines with minimal disruption while repairs or rebuilding take place.

Worldwide all risks cover

Everything is covered unless specifically excluded by the policy wording. There are not limits to the amount of possessions or valuables that can be taken outside the home, and are covered on a worldwide basis.

High internal limits for key covers

High internal limits help safeguard the significant sums of money you have invested in valuable home features, providing financial protection in case of loss or damage. Trace & Access to find the source of a leak would be a good example. Standard policies may only offer up to £5,000 for this cover. Many high value home policies have no limit on this cost.

Extended replacement cover

Helps ensure inflation protection for your building in case the cost of rebuilding your home exceeds its insured value.

Home emergency, legal expenses and liability cover

Included as standard

FAQs

What does “home insurance tailored protection” mean for a high-value property?

At Clear, we believe your home deserves home insurance tailored protection because a premium residence can’t be properly covered by a standard policy. Our specialist high value home insurance goes beyond basic cover by providing worldwide all-risks protection, extended replacement cover for the building, and generous limits for valuables and alternative accommodation. In short, we assess your property and lifestyle to deliver the right cover, and not a one-size-fits-all approach.

How do I determine the correct sum insured for my building and contents?

Getting the sum insured right is vital. It should reflect the full rebuilding cost of your property (not its market value) and include specialist finishes, outbuildings, and any listed features. For contents, it’s about replacing every item at today’s prices, including valuables such as art or jewellery. Our experienced advisers can guide you through the process or arrange professional valuations, helping to ensure your home insurance policy provides complete protection without the risk of underinsurance.

Why does working with a broker with Chartered Insurance Institute status matter?

Clear holds Chartered status with the Chartered Insurance Institute, demonstrating our commitment to professional excellence, integrity, and in-depth technical knowledge. For high-value homeowners, that means your insurance is arranged by specialists who understand complex risks, niche insurers, and the nuances of bespoke cover. With Clear, you can be confident that your home insurance policy is built on specialist advice and delivers the right cover for your specific needs.

What should I expect from Clear’s claims service?

Our dedicated claims service is designed to minimise disruption and get your home back to normal as quickly as possible. From the moment you report a loss, our team liaises directly with insurers to progress your claim efficiently and fairly. For high-value homeowners, this personalised support helps ensure your home insurance tailored protection works exactly as intended when you need it most.

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