Bespoke cover for high value homes and contents
Your belongings deserve protection that reflects their true worth. Too often, standard home insurance imposes limits that leave valuable items underinsured or excluded. We close that gap with unified, specialist cover shaped around how you live.
Choose standalone contents cover or a combined home insurance policy, begin online in minutes, upload valuations securely, and manage your policy and claims at any time. Enjoy worldwide cover under a single policy calibrated to your sum insured.
Jewellery, fine art, technology and personal collections sit under one clearly defined policy. Limits are aligned to your contents sum insured and calibrated to current valuations, where provided. Add new purchases online with clear item-by-item visibility on your policy.
Experience comprehensive protection for the contents that matter most.
Regulated by the FCA | Underwritten by A Rated insurers
Contents insurance for those with more to protect
Worldwide insurance policy, all risk cover
One home insurance policy with worldwide cover for loss, theft and accidental damage. Seamless cover that keeps valuable items protected wherever they are.
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Terms that work for you
We don’t ask you to catalogue every possession with all valuables under one contents policy, with individual items specified over £25,000.
Fast and personal
Digital first home insurance, a tailored approach, and a dedicated client advisor on hand to help when needed.
How are home insurance makes life simple for you
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
Get started online in minutes
You can manage your policy digitally, including uploading valuations and documents when you’re ready to finalise cover.
Accidental damage
We will pay for any damage caused accidentally.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
New purchases
Automatic cover extends for 60 days for any new purchases up to 25% of your contents sum insured as longh us you let us know in that time period.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Fine art and antiques market appreciation
If the market value of a fine art or antique piece has appreciated within the last 3 years we will pay up to 150% of its insured value if you have a valuation in place.
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
Our insurance
Get started online in minutes. No paperwork.
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.
"Rivr came in with a competitive quote but more than that the whole experience with Rivr was easy and very transparent. Its Founder Will Clarkson Webb done everything possible to match my needs and demonstrated his extensive knowledge and ease of working with. Needless to say that I’m very happy to move by business to Rivr and highly recommend them."
Why choose high value content insurance?
What it is
High value contents insurance is specialist cover for significant possessions. It goes beyond standard home insurance with all risks protection for your belongings. Choose contents insurance on its own or as part of high value home insurance with buildings insurance, with limits aligned to your contents sum insured.
Who it’s for
Households with a high value property who want specialist home insurance that brings contents insurance and valuable items into one clear approach. It suits high value homes with fine art, jewellery, technology and other high value items, including families who split time across multiple locations. This specialist cover provides protection where standard home insurance can be too narrow.
How we protect your contents
Your home insurance policy covers all risks of physical loss or damage to contents anywhere in the world after an insured event. Accidental damage is included. Fine art and antiques can be settled in line with market value through market appreciation where a current valuation exists. Home emergency is available, and liability cover applies if a claim is brought for injury or damage.
If your home cannot be lived in after an insured event, alternative accommodation up to 36 months is included. We insure to the sum insured rather than offering unlimited cover, with additional cover available for specified pieces.
Valuable items covered under rivr contents insurance
Under our high value contents insurance, these items are protected with worldwide cover, subject to the limits shown on your schedule:
- Household possessions at home and anywhere in the world
- Fine art & antiques (unspecified up to £25,000 each, with market appreciation up to 150% if valued)
- Jewellery & watches (unspecified up to £25,000 each)
- Technology & office equipment (up to £20,000)
- Money (up to £5,000)
- Guests’ possessions while in your home
- New purchases (automatic cover for 60 days up to 25% of sum insured)
How to estimate the value of your house contents
- List every room, then create an inventory of high value items and everyday possessions.
- Use current replacement prices to set an accurate sum insured for your contents insurance.
- For fine art and antiques, obtain professional valuations to reflect market value.
- Keep purchase records and photos. Update totals when new purchases are made.
- Review the figure annually so your value home insurance policy stays aligned and you remain properly covered.
Valuations and underinsurance
Keeping valuations current helps ensure the right cover at the point of claim. For fine art and antiques, recent valuations support settlement in line with market value and help avoid underinsurance.
Day to day ease
Manage everything online. Add items and view policy wording in one place. Existing customers can track their policy and claims history with support from a dedicated team when decisions matter.
This is bespoke cover delivered simply so your high value contents remain properly protected.
Frequently asked questions
High-value contents insurance provides a more comprehensive level of protection than standard home insurance. It’s designed for homes with a higher standard of finish and valuable personal possessions, such as luxury or antique furniture, fine art, jewellery, and high-end electronics. The cover is tailored to reflect the true value of your belongings and lifestyle.
You may need high-value contents insurance if the total value of your possessions goes beyond standard policy limits. The general rule for this usually applies if:
- Your contents are worth over £100,000
- Your valuables (such as jewellery, watches, or art) together exceed £30,000.
Rivr’s high-value contents insurance covers most household items, including:
- Furniture and furnishings
- Jewellery and watches
- Fine art and antiques
- Bicycles and sports equipment
- Tech such as laptops, phones, TVs, and sound systems
All are covered worldwide as standard.
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.
Yes. Accidental damage is included as standard, giving all-risks protection for your contents whether at home or abroad.
Yes. You can insure your entire jewellery collection under one policy. This includes rings, necklaces, earrings, bracelets, watches, and other valuable pieces. This means you can protect your entire collection without the need for separate, standalone policies.
Around £55,000. If your contents sum insured is set lower than the true replacement value, your payout could be reduced at claim time.
High value home insurance is designed for homes and contents that exceed standard limits. It typically offers:
- Higher buildings sums insured and single item limits for jewellery, fine art and collections.
- Broader cover as standard, often including accidental damage and worldwide protection.
- Specialist underwriting for complex or listed construction, plus risk management guidance.
- Higher alternative accommodation limits and dedicated claims handling.
Standard policies have lower limits, narrower cover, and rely on add-ons.
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