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Cover that seamlessly fits your lifestyle
Standard home insurance is built for averages. For high value homes, the small print often falls short, especially when collections come into play or the property is listed or has non standard features. Caps, exclusions and admin friction can turn protection into guesswork. This is where high net worth home insurance earns its place.
With rivr, one home insurance policy brings buildings, contents and valuable items together with clarity. Worldwide cover comes as standard, your cover is easy to adjust as things change, and the sum insured is set to real value. This is high net worth home insurance helmed by specialists who understand your worth; protection reflecting how you live, not just where you live.
Regulated by the FCA | Underwritten by A Rated insurers
Your property and home contents, covered worldwide
High value home insurance
One home insurance policy for buildings and contents. Includes listed properties with alternative accommodation up to 3 years.
High value contents, properly covered
Your art, antiques and jewellery are covered worldwide. Market appreciation when valued, plus 60-day cover for new purchases.
Quick, considered support
Make changes and start claims online. Specialist expertise, a dedicated advisor and 24-hour helplines.
How our cover 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
Your home's buildings
We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.
Your homes contents
All your home's contents. It is a long list but most things are covered as standard.
Worldwide cover
All your personal possessions and valuables are protected worldwide if they're lost, stolen or damaged.
Valuables
Jewellery, watches, fine art and antiques covered worldwide for theft, loss or damage. Only individually specify items over £25,000.
Home improvements
Any additions, alterations or improvements are covered up to 25% of your buildings cover.
Accidental damage
We will pay for any damage caused accidentally.
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.
Understanding high net worth home insurance
What is considered high net worth in insurance?
There isn’t a single legal definition for home insurance. In the UK, people often use these markers:
- £100,000 annual income
- £250,000 net assets
- Around £1 million in investable assets, excluding your main home
We use high net worth to describe clients whose homes and collections call for higher sums insured, specialist cover and the support of a dedicated team.
Bespoke cover tailored to high value properties
rivr high net worth home insurance brings your buildings, contents and valuable items into one clear home insurance policy. Protection is on an all risks basis with worldwide protection as standard.
Covering valuables like fine art, jewellery and watches, it accommodates listed buildings and homes with non standard features, so the policy reflects how you live, not just where you live.
Examples of high net worth individuals
High net worth home insurance is for people who value time, clarity and confidence.
The household organiser: One home insurance policy that brings your buildings, contents and high value items together, with clear sums insured, all risks cover and swift support when you need to claim.
The modern collector: Collections evolve. You want tailored cover, current valuations and a sum insured that keeps pace with market value for fine art, antiques, jewellery and watches.
The frequent traveller: You take pieces with you. Worldwide cover should be simple and consistent, not a patchwork of exceptions or small print.
The design-led homeowner: Your home may be listed or include non standard features. You need specialist cover that recognises the detail and sits comfortably with how you live.
The private client: You prefer clear decisions and a dedicated team. When a claim needs attention, you expect calm, informed support without friction.
What you can expect with rivr
- All risks protection for buildings and contents anywhere in the world, within the limits on your policy schedule.
- Alternative accommodation cover for up to three years after an insured event.
- Unspecified fine art & antiques and jewellery & watches are covered up to £25,000 per item unless specified.
- Market appreciation on fine art and antiques, up to 150% of the specified contents sum insured where a valuation exists.
- Newly acquired possessions covered up to 25% of the contents sum insured for 60 days when you tell us.
- Trace and repair for leaking pipes outside your home, up to £10,000.
- Home emergency and family legal protection with 24-hour helplines, as set out in your documents.
When to talk to us
- Building works planned with a total cost over £75,000.
- Unoccupancy expected to exceed 45 consecutive days. Cover is restricted during extended unoccupancy, so we should review terms.
- Collections changing or valuations updating, so your sum insured stays aligned and any market appreciation applies.
Speak to a specialist
A dedicated advisor will review your sums insured, collections and any listed status, then confirm the right cover. Schedule a call or get an instant quote online.
Frequently asked questions
The policy covers a lot of things and it depends on whether you buy Home Insurance (Contents and Buildings cover combined), Contents Insurance or Buildings Insurance. To know exactly what you are covered for you need to read the policy wording in full. We do provide a summary of your cover on our product information pages for home, contents and buildings insurance.
These pages only include a summary of the cover so does not include everything and all the details, such as specific exclusions or inner limits.
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.
All risks insurance provides a broader form of coverage compared to standard home insurance policies. It typically offers protection for both personal possessions and valuables at home and worldwide. It also covers accidental damage. All risks cover still has some exclusions such as wear and tear or mechanical breakdown. You would need to check the policy for specific exclusions and limits.
Yes. We can insure listed properties (subject to underwriting) including Grade I, Grade II* and Grade II. Tell us the listing grade and any planned works so we can set the right terms. For limits and conditions, see the rivr Home Insurance IPID and Policy Wording.
Yes. You can choose Buildings cover, Contents cover, or combine both in one policy. Your policy schedule confirms the covers and limits selected. For full terms, limits and exclusions, please see the rivr Home Insurance IPID and Policy Wording.
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.
You likely need it if any of these apply:
- Your rebuild cost or contents sum insured sits above standard home insurance limits
- You own fine art, antiques, jewellery or watches that exceed single-item limits
- You want worldwide cover for possessions as standard
- Your home is listed or has non standard features that standard wordings don’t reflect
- You prefer one policy with broad all risks protection and a dedicated team
If you’re unsure, share your sums insured and any valuations with rivr and we’ll advise.
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