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What is high value home insurance?
High value home insurance is specialist cover for premium homes and significant, high value 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.
Explore our helpful guide to learn more about whether high value home insurance is right for you.
Read our high value home insurance guideWho does a high value home insurance policy suit?
- High net worth individuals and families who want bespoke cover for a high value home, including jewellery, watches and fine art.
- Owners of multiple properties in multiple locations, including a UK holiday home, who prefer a single policy to keep things simple.
- People who travel frequently and want their valuable possessions to benefit from worldwide cover under one home insurance policy, rather than relying only on standalone travel insurance.
- Clients with high value properties built or renovated using non standard materials who want a broad range of protection that reflects the true rebuild cost.
- Anyone who wants to feel fully protected if the worst happens, with cover for high value items that supports long term peace of mind.
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 fine art or antiques increase in market value, we reflect that in your settlement up to 150% of the insured value. 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 jewellery, watches, and 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 high 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 a rivr home insurance policy, 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.
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