High value home insurance

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

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Specialist high value property insurance for exceptional homes

We go beyond standard home insurance solutions to arrange specialist protection for high-value properties, including listed buildings, country homes, estates and prime residential addresses.

We arrange tailored high value home insurance designed by insurers to help protect exceptional properties and the possessions within them. Whether you own a listed building, country estate, period residence or architect-designed home, our specialist solutions are built around the unique characteristics, rebuilding requirements and lifestyle needs associated with high-value homes.

Policies arranged by us can include comprehensive buildings cover, protection for high-value contents and collections, and worldwide cover for personal possessions. We also offer comparable alternative accommodation cover, helping you maintain your lifestyle if your home becomes temporarily uninhabitable following an insured loss.

From heritage properties and homes with bespoke finishes to estates with outbuildings, gated grounds and specialist features, we work with leading insurers to help ensure both your property and contents are insured on a suitable basis and for appropriate values.

High value home insurance provides bespoke protection tailored to your individual circumstances, safeguarding your property, contents and personal belongings against the risks that matter most. Speak to our team today to discuss insurance solutions for your home and lifestyle.

High Value Home Household Private Client 20 (12)

Key Features We Can Offer

Higher sums insured and wider policy limits.

Worldwide cover for valuables and personal possessions.

Agreed value settlements for jewellery, watches and fine art.

Automatic cover for newly acquired assets.

Specialist claims handling and restoration services.

Home cyber protection.

Family legal liability and domestic staff liability cover.

Why Choose Clear?

We know that the things you value most rarely fit a standard policy. Here’s how we make sure they’re properly protected.

Specialist Expertise

Our team understands the challenges associated with protecting high-value and unique residential properties.

Access to Leading Insurers

We work with a carefully selected panel of insurers experienced in providing high-value property insurance solutions.

Personal Service

You'll have access to experienced advisers who take time to understand your property, requirements and long-term insurance needs.

Tailored Solutions

Every home is different. We focus on arranging cover that reflects the individual nature of your property rather than relying on a one-size-fits-all approach.

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. Specialist high value home insurance arranged by us 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 suitable 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 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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