We’ve redesigned home insurance, so it works for you
Insurance is traditionally complicated, opaque and time-consuming. Rivr offers buildings insurance that puts clarity and simplicity first. Whether your property is high-value, listed or features swimming pools, permanent fixtures or other special features, our home insurance policy is designed to protect what matters.
Our buildings cover is based on your property's actual rebuild cost, with the option to increase your sum insured using a recent, approved valuation. We also provide cover for accidental damage, legal expenses, lost or stolen keys and alternative accommodation if your home becomes uninhabitable. If you ever need to make a claim, our expert team will guide you through the process with speed and care.
Regulated by the FCA | Underwritten by A Rated insurers
Truly comprehensive, all risks cover. Insure with confidence.
All risk cover
Cover designed for high value homes with less ambiguity.
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Enhanced protection
Higher limits and broader coverage for outbuildings.
Fast and personal
The speed of digital, with the benefit of dedicated advisors.
What’s covered?
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
What’s not covered?
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Policy documents
Only a summary of the policy's coverage is presented on this page. Read these documents to fully understand what is and isn't covered
Additional cover, as standard
All of this is included as standard with our buildings, contents, and combined home insurance policies, meeting the needs of your mortgage lender, and supporting you whenever you need to make a claim.
Home emergency cover
Our home emergency cover helps protect against unexpected damage caused by plumbing failures, electrical faults, or broken locks and heating systems. It covers the cost of urgent repairs up to £2,500 per claim.
Family legal protection
Our family legal protection covers the cost of legal advice and representation, with up to £100,000 for legal expenses relating to property, employment or consumer disputes.
Your liabilities
Covers property owner, personal and employer’s liability up to £10 million, helping protect you against legal claims if someone is injured or their property is damaged.
Bespoke coverage through our dedicated advisors
Insurance can be complex, but we can guide you through it. Your dedicated rivr advisor is here to help you, whilst explaining our cover, answering questions, and ensuring you get the right coverage with confidence.
Secure your cover in 3 simple steps
Our service really begins once you purchase cover. Manage your policy online - adjust your cover and manage claims. Dedicated specialist claims team if the worst happens.Your advisor is available anytime to support you.
Answer a few questions
Review your quote and conditions
Accept your quote
Frequently asked questions
Normally home insurance providers will not cover your home if any building works are being carried out. At rivr we still insure your home when building works are being carried out as long as the contract for the works is less than £75,000. If the works are costing more than this we can arrange separate specialist cover for renovations through our specialist insurance partner.
Standard buildings insurance covers typical homes, while high-value buildings insurance is designed for properties with a higher rebuild cost or unique features. High-value insurance provides more extensive coverage for expensive materials, luxury finishes, and special architectural elements that may not be fully covered by a standard policy. It also often includes higher claim limits and additional protection options.
High-value buildings insurance provides cover for the physical structure of your home. The cover extends to any outbuildings and most physical structures on your property. It is designed for homes that have a higher rebuild value, or that require specialist cover due it being constructed of a non-standard material or being listed.
Generally, you need high-value buildings insurance if your home has a rebuild value over £1 million or it is built of non-standard materials or is Listed.
Yes we can insure Grade 1 or A Listed, Grade 2 or B Listed or Grade 2* Listed buildings.
The policy is insured by two of the largest insurance companies in the world, which are both A-rated for their financial strength. The Buildings, Contents and Liability cover is insured by HDI Global Specialty SE. The Home Emergency and Family Legal Protection cover is insured by AmTrust Specialty.
The cost of high-value buildings insurance depends on several factors, including the rebuild cost of your home, its location, any unique features, and the level of coverage you need. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.
Yes we do insure most buildings that are made of non-standard materials like timber or wattle and daub, but these are evaluated on a case by case basis.
