Built around exceptional homes and collections
A home of real value deserves insurance that matches its standard. Our high value home insurance covers the full rebuild cost up to £3 million and protects contents and valuables up to £500,000, including jewellery, watches, fine art, and antiques.
Worldwide all risks cover comes as standard, with alternative accommodation for up to three years if you need it. Everything is simple to manage online, with a dedicated advisor available whenever personal support matters most.
From period residences to contemporary architecture, we shape our cover around how you live.
Regulated by the FCA | Underwritten by A Rated insurers
Why choose rivr?
High value contents insurance
Worldwide cover, accidental damage, 60 days’ automatic cover for new purchases and and market value uplift for specified valuables.
Bespoke support for listed buildings
Specialist cover up to Grade II homes, with protection for repairs and rebuilding in keeping with their unique character.
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Fast, expert support
Digital-first with tailored advice, and your own dedicated client advisor.
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
Get started online in minutes.
No paperwork. Upload valuations and documents digitally when you're ready to finalise cover.Only individually specify cover over £25,000
New for old replacement
Claims are settled based on your antique’s insured value, ensuring fair compensation. Exclusions apply for wear, deterioration, or non-insured causes.
Flexible, tailored, and custom-fit to your lifestyle
Newly acquired antiques are covered automatically for up to 60 days, giving you time to arrange cover, obtain a valuation, and ensure you're never underinsured.
No restrictive safe items
Whether stored securely or left out at home, our antiques insurance policy right covers every setting
Flexible antique insurance, no location-based restrictions
Your antiques are protected without geographical limits, giving you confidence whether they’re displayed at home, stored securely, or travelling internationally.
High Limits
Up to £500,000 of antique insurance cover included as standard, ensuring protection for your prized items
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. Upload valuations and documents digitally when you're ready to finalise cover.
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.
High value home insurance explained
What it is
High value home insurance is specialist cover for premium homes and significant possessions. It goes beyond standard home insurance by providing all risks home insurance cover for buildings and contents with worldwide cover as standard. This is cover designed to reflect how you live, not just where you live.
Who it’s for
Owners of high value homes who want specialist home insurance that brings buildings, contents insurance and valuable possessions together under one clear approach. It suits a high value property with fine art, jewellery or other valuable items, and households that split time across multiple properties or multiple locations.
How rivr protects you
Your home insurance policy covers all risks of physical loss or damage to your home and contents, anywhere in the world after an insured event. Alternative accommodation cover is included for up to three years, keeping life comfortable while repairs are made. Home emergency cover is also on hand 24/7.
If your valuables increase in market value, we reflect that in your settlement. Accidental damage is also included as part of your all-risks protection. We insure to the sum insured rather than promising unlimited cover, so you always know the basis on which we provide cover.
Valuations and underinsurance
Keeping valuations current helps ensure the right cover and enough cover at the point of claim. For fine art, a current valuation supports settlement in line with market value, and helps avoid underinsurance. Review your sum insured regularly as new purchases are made, so your value home insurance policy stays aligned.
Planning works and time away
Tell us before starting building works where the total cost will exceed £75,000, so additional cover can be agreed if required. Let us know about extended periods away, as standard home insurance policies often restrict terms for long unoccupancy and we want you properly covered.
Day-to-day ease
With rivr, you manage everything online, from adjustments to claims history, with a dedicated advisor when decisions matter. This is bespoke cover delivered simply, so your high value insurance remains clear, responsive and built around your time.
Why a specialist policy matters
Simply put, it's specifically designed for high value homes and the collections within them. Combining worldwide cover, broad protection and attentive service, your property and valuable contents are cared for the way they deserve.
rivr delivers digital-first cover without the complexity, keeping it simple at your end while being rigorous where it counts.
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.
Yes. You can choose Buildings cover, Contents cover, or combine both in one policy. Your schedule confirms the covers and limits selected.
For full terms, limits and exclusions, please see the our Home Insurance IPID and Policy Wording.
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.
The general rule is that you need high-value home insurance if you meet any of the following criteria:
- The rebuild value of your home is over £1 million
- Your general contents are worth over £100,000
- You have valuable items that together are worth over £30,000
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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