Mayfair HNW Insurance Broker

High-Value Home & Contents Insurance, done properly.

Specialist cover for London homes over £1m, prestige contents, fine art and collections. Policies designed by a Mayfair broker, underwritten by Lloyd's.

No excess on valuables Jewellery, fine art and collectibles covered beyond standard limits, with zero excess as standard.
All-risk worldwide cover Your valuables protected at home and abroad — travel, transit, second homes, loans to exhibitions.
Lloyd's underwriters Top-tier market security with the capacity to insure unique, listed, and complex properties.
Dedicated account manager One named broker for your entire household. Like-for-like replacements, fast claims.

FCA 445714

Mayfair, London

Lloyd's underwriters

Free Consultation

Get your bespoke quote

Quick contact form — we'll call you back the same working day to discuss your property.

Why Chelsea

Insurance built for high-value households

Standard insurers aren't built for £1m+ homes or prestige collections. We are. Bespoke policies for London's most discerning clients.

Homes over £1m

Bespoke cover for large London homes, unique architecture, listed buildings and period properties standard insurers decline.

Fine art & antiques

Agreed-value policies, worldwide cover, transit protection for loans and exhibitions. Expert valuations on request.

Jewellery & watches

All-risk worldwide cover, bespoke replacement from preferred jewellers, no excess. Items above £2,500 specified individually.

Wine & rare collections

Specialist cover for cellars, classic cars, musical instruments and limited-edition items at their true value.

Lloyd's-backed policies

Leading Lloyd's underwriters provide the capacity and expertise standard home insurers lack. FCA authorised 445714.

Dedicated account team

One named broker for your entire household. Fast claims handling, like-for-like replacement, no call-centre lottery.

What's Covered

Comprehensive protection, tailored to you

Typical inclusions — every policy is bespoke and shaped around your home and possessions.

Fire, flood and escape of water

Theft, burglary and attempted theft

Accidental damage

Storm, subsidence and ground movement

Worldwide valuables cover

Fine art & collections

Jewellery & watches (all-risk)

Personal liability & legal expenses

Alternative accommodation

Agreed-value replacement

Listed & period properties

Domestic staff & employer liability

FAQ

Common questions

What qualifies as "high-value" home insurance?

There's no single rule, but we typically arrange high-value cover for properties with a rebuild cost over £1m, contents valued over £100,000, or households with specified valuables over £10,000. If your property or possessions sit outside standard insurers' appetites — listed buildings, unique architecture, significant collections — you likely need specialist cover.

Will you insure a listed or Grade II building?

Yes. Listed buildings require specialist underwriting because of the heritage rebuild obligations — we work with Lloyd's underwriters who understand period properties, bespoke materials and conservation-compliant repairs.

How is the rebuild cost calculated?

Rebuild cost is what it would take to reconstruct your home to its original standard — not the market value. For listed or architecturally unique properties we usually recommend a RICS survey. We can arrange a specialist valuation as part of your quote.

Do I need valuations for my jewellery and art?

For jewellery items over £2,500 and artwork over £5,000, a recent valuation or purchase receipt is required. Items below those thresholds can generally be covered as general contents. We can recommend valuers if needed.

Is worldwide cover for valuables included?

Worldwide all-risk cover is available as standard on our high-value contents policies. Jewellery, watches, art in transit, items loaned to exhibitions and belongings taken abroad are all covered, subject to disclosure.

How quickly can you arrange cover?

For standard high-value home cover, we can typically arrange a quote within 48 hours of a completed enquiry. More complex risks — listed buildings, unusually large collections — may take a few days as the underwriter reviews. Urgent needs? Call us directly.