- High-Value Home Insurance
High Value Home Insurance: Complete Guide for UK Homeowners
A clear guide to high value home insurance. Learn how to set the right sums, compare cover, and how Rivr tailors policies around your lifestyle.
High Net Worth Home Insurance
- Full rebuild cost of home up to £3 million
- Contents and valuables covered up to £500,000
- Digital-first management with dedicated support
- Worldwide all-risks cover comes as standard
4.7/5 on Trustpilot
- Underwritten by A Rated insurers
for high net worth property & collections
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.
high net worth insurance that moves with you
Your property and home contents, covered worldwide
one policy, easily adapted
High value home insurance
One home insurance policy for buildings and contents. Includes listed properties with alternative accommodation up to 3 years.
fine art, jewellery and watches
High value contents, properly covered
Your art, antiques and jewellery are covered worldwide. Market appreciation when valued, plus 60-day cover for new purchases.
dedicated advisor, digital ease, fast claim
Quick, considered support
Make changes and start claims online. Specialist expertise, a dedicated advisor and 24-hour helplines.
your cover
How our cover makes life simple for you
Your home's buildings
We cover the physical structure of your home, any outbuildings, decorative finishes or permanent fittings in your home.
Your home's 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
The insurer will pay for any damage caused accidentally.
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.
what we offer
Our insurance
Get started online in minutes. No paperwork.
-
Home Insurance
High Value buildings, contents and valuables in one policy.
- Buildings
- from £1,000,000
- Contents
- from £100,000
- Valuables
- from £5,000
-
Contents Insurance
Specialist cover for your contents and valuables.
- Contents
- from £100,000
- Valuables
- from £5,000
-
Buildings Insurance
Standalone buildings cover designed for high value homes.
- Buildings
- from £1,000,000
your dedicated client adviser
Digital insurance, with an adviser who knows you
Get an instant quote and manage your policy online, whenever it suits you. When you would rather talk, your dedicated client adviser is there to help you refine your quote, answer questions during your policy and support you through a claim.
- Phone
- Chat
client reviews
Rivr cover is rated excellent
4.7/5 on Trustpilotmeet the high net worth insurers that know your value
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. Book a call or get an instant quote online.
faq
Frequently asked questions
Insurance can be complicated. Here are answers to the questions we are asked most.
How do I know what my policy covers?
Your cover depends on the type of policy you buy - Combined Home Insurance (Buildings and Contents combined), Contents Insurance, or Buildings Insurance. For full details, please refer to the policy wording, which explains exactly what you are covered for, any exclusions, and inner limits.
We also provide summary guides on our product information pages for home, contents, and buildings insurance. These summaries highlight the main features of your cover but do not include every detail.
How do I know who underwrites your insurance policies?
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 Accelerant Insurance UK Limited. The Property Emergency and Family Legal Solutions are insured by ARAG Legal Expenses Insurance Company Limited.
What is All Risks cover?
All Risks cover provides broader protection than a standard home insurance policy. It typically covers your personal possessions and valuables both at home and worldwide, including accidental damage.
Some exclusions still apply, such as wear and tear or mechanical breakdown, so it’s important to review your policy wording for full details and limits.
Does your high net worth home insurance include listed buildings?
Yes. We can insure listed properties (subject to underwriting) for Grade II* and Grade II or equivalent. 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.
Does your high net worth home insurance cover contents and buildings?
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.
What is the difference between high value home insurance and standard cover?
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.
How do I know if I need high net worth insurance?
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.
journal
Read more
-
- High-Value Home Insurance
Understanding Your Options—High Value vs Standard Home Insurance
Insurance is a confusing place, and it is hard to unpick and understand the difference between policies. Selecting the right level of cover for your home is crucial in making sure your home and your belongings are properly protected.
- Contents Insurance
Do I Need Contents Insurance? UK Guide For High-Value Homes
This guide explains when contents insurance makes sense, what is and is not covered, how to calculate an accurate value for all the items you want to protect, and how Rivr handles claims for lost or damaged items.
3 simple steps
Get an instant quote today
- 1 Tell us about your home
- 2 Review your quote
- 3 Accept and pay