High Value Home and Contents Insurance
Safeguard your property, collections, and luxury interiors with high value home and contents insurance designed for affluent homeowners. Our bespoke policies protect homes, valuables, and lifestyles, with the flexibility you need for complete peace of mind.
Easy Process
Best Value
Personal Touch
Flexible Policy
Understanding Your Home and Contents Insurance Policy
Knowing what your policy includes — and where standard insurance falls short
— is essential for protecting luxury properties and valuable possessions. Our
high value home and contents insurance helps you stay fully informed and
protected with:
All Risk
Clear cover for homes over £1 million, unique properties, and listed
buildings.
Worldwide
Worldwide protection for valuables, so you’re covered at home and abroad.
No Excess
Specialist insurance for jewellery, art, and collectibles beyond standard limits.
Peace of mind
Flexible policy structures, from stand-alone contents cover to
combined home and contents solutions.
Like-for-like replacement
Transparent, FCA-regulated service trusted by high-net-worth
clients throughout London.
What Our Contents Cover Includes
Our high value contents insurance provides comprehensive benefits:
Claim Settlement
Agreed value for specified items, ensuring certainty in the event of
a claim. Making sure you are getting the best cover! Our team will assist your during every step of the process
Transit & Travel
Transit and travel protection, so valuables are covered wherever
you go and wherever you are. For extra peace of mind.
New Items
Optional liability and legal expenses cover, tailored to your needs. Add any valuable item you wish to be a part of your policy.
Supporting Documents
Fast, dedicated claims handling, for a stress-free process. Dedicated account manager for even simpler process.
Sum Insured Increase
Protection for collections and rare pieces, including jewellery, fine
art, and antiques, or even everything you got in your home.
Trusted by London’s Most Discerning Clients
Based in Mayfair, we serve private clients who expect both discretion and expertise. From coordinating valuations for your jewellery and art to arranging combined property and contents policies, our FCA-regulated approach delivers confidence and convenience. We can help you choose between a stand-alone contents policy or a combined home and contents solution, depending on your lifestyle.
Expert Policy Design and Guidance
As a specialist broker, we go beyond standard insurers. Our team understands the unique risks faced by luxury homeowners — from listed property considerations to rare art collections. We work with leading underwriters to build high value home and contents insurance policies that fit your exact requirements. This means your cover is neither too limited nor unnecessarily inflated, saving you cost and ensuring true protection.
Frequently Asked Questions
Can I add items to my insurance policy?
You certainly can. Just let us know the type and value of the item you would like to add so we can calculate your additional premium if there is any.
Would my contents be covered when I'm abroad?
Yes, cover is for contents in your home. We got you covered even when you are abroad.
Can I replace a lost item with my jeweller? Or will I receive a voucher?
We don’t offer vouchers where you must purchase the replacement at a specific jeweller. Whenever possible, the replacement will be made bespoke for you, hallmarked & delivered to your home address.
Our experienced and friendly claims team will always work closely with you to source the replacement. If they are unable to replace the item insured they will settle your claim in cash.
I'm insuring jewellery for my partner, who's name should be on the policy?
We suggest you have joint names on the policy so you both are fully protected, can file a claim or renew the policy. When purchasing you will be able to add joint policyholder. This doesn’t affect the premium.
Can I increase the sum insured on the policy?
General contents or building sums insured could be increased at any time.
However, when it comes to individual items, the value is linked directly to the items insured, which should be regularly valued.
If you decide to increase the sum insured for any item over £2,500 we will ask for new valuation.
Do I need to provide valuation for every item?
We only require supporting document for jewellery over £2,500 or artworks over £5,000. This can be a copy of either valuation or purchase receipt.
How old should I be to get insurance?
Minimum age of a high value home and contents insurance policy would be 21.
We are happy to review your individual requests as well, feel free to contact us.
I don't have valuation. What do I do?
You can find the nearest reputable jeweller at NAJ.CO.UK
There are several online services whose valuations are acceptable by all major insurers.
A good example would be Prestige Valuations
I got an item as a gift. Can I insure it?
Ideally a person that purchased item needs to insure it as soon as it’s pruchased and in his/her possession. But you can still insure it as you are now considered as a legal owner of the item. Most of the time do not need to provide any additional documentation to prove the ownership.
I don’t know where to start. Can you advise?
We suggest you start from picking the type of cover. You will then need to complete a short questionnaire to get a price indication that we call insurance quote.
For home insurance enquiries we may need up to 48 hours to get suitable terms for you. It would depend on the complexity and size of the cover.
If you need any assistance in preparing the quote, feel free to get in touch via Email, Live Chat or simply give us a call!
What information do you need from me?
For High Value Home and Contents insurance quotes we will require more specific informaiton to get an accurate quote and cover that you require. That would include valuation of your property and high value contents that you wish to insure.
Feel Free to reach out in case you need assistance in deciding which cover you require.
I’m happy with the terms. How can I buy a policy?
All instructions will be in our quote. If oyu are still unser what to do next please get in touch via Email, Live Chat or simply give us a call.
We are always happy to help in any way we can!
Purchasing process varies from product to product but it’s a pretty speedy process no matter what level of cover you require.
In most cases we will be able to activate your cover within minutes.
Contact Us
What Our Clients are Saying
Jane Turvey
I have been a customer of Chelsea Insurance since 2017 with the insurance of my partners engagement ring. This was simple process with great communication skills and a fantastic price. Each year the price has reduced and the service has never faltered. I have now included both of our wedding rings, and my partners diamond earrings to the policy and the price remains incredible and the service is one of the best I have ever received. I would never move from Chelsea insurance and would highly recommend this service to anyone.
Mike Strong
Julie Eaton
Get a Bespoke Quote
Your home and valuables deserve the highest level of protection. Speak with
our experienced team to create a high value home insurance plan tailored
around your lifestyle.
Call us today or request a callback to begin your personalised quote.
Chelsea Insurance Brokers are a trading name of:
Kensington Insurance Brokers
Authorised and Regulated by the Financial Conduct Authority: 445714
Company Registration Number: 03001530
Our Services:
- Jewellery Insurance
- Fine Art & Collectibles Insurance
- Home & Contents Insurance
- Landlord
- Business & Commercial
Our Address:
4 Old Park Lane, Mayfair
London
W1K 1QW