Journal
Rivr is the new way to buy high value home insurance, we offer a fully digital, simple and flexible approach to buying insurance for your home and your most prized possessions. We are protecting the home and life that you have worked so hard to build, so it should have the protection it deserves.
High-value home insurance covers UK properties with a rebuild cost above £1 million, or contents and valuables above £100,000, where standard policies cap out. Providers vary widely on rebuild cost caps, single-item limits, and how quickly cover can be arranged. This guide compares eight high net worth insurers, checked directly against their own policy documents.
Same FCA regulation, different experience. See how digital-first cover compares to a traditional broker, and how it works for high-value homes.
Free valuations are easy to find, but not all of them satisfy an insurer. Here's the difference, and what matters for valuable items.
In this guide, we walk through the home insurance claims process from first steps to settlement, including when it’s worth claiming and when it isn’t.
All-risks cover protects against sudden, accidental loss or damage unless your policy excludes it. This guide explains how it works, what Rivr includes, and key exclusions.
A guide to finding when your home was built, why it matters for home insurance, and how to confirm an accurate age range using official records and simple checks.
Engagement ring insurance is often priced as a percentage of the ring’s value. Here are typical 2026 costs, plus how high value contents insurance can cover a ring within a wider home insurance policy.
Home legal expenses cover (home insurance legal cover) can help pay legal costs for certain disputes, but exclusions apply and most claims must pass a reasonable prospect test.
Reduce flood damage with practical flood-proofing steps. Learn key entry points, what to do when warnings hit, which upgrades work best, UK costs, and insurance tips.
This guide explains what flood damage usually means to an insurer, how flood re works for eligible households, and what flood claims often involve.
This article explains how much watch insurance cost in the UK and what drives the price. It also shows how Rivr includes watch cover within high value contents insurance, alongside tips on valuations and claims.
In this guide, we look at what listed building insurance really costs for Grade I and Grade II homes, what drives those premiums, and simple ways to keep price and protection in balance.
In this guide, you’ll see realistic UK wedding ring and wedding band price ranges, what drives ring cost, and how to choose metals, diamonds, and insurance without overpaying.
This guide explains how outbuilding insurance works, where standard cover falls short, and what to look for in specialist high value home insurance
This guide explains typical costs of insuring a lrage hom, why bigger usually means pricier, and the factors that shape premiums for substantial or high value properties
This guide explains what a listed building means in practice. We cover grades, how to check the national heritage list, common projects that need consent, and the knock-on effects for costs, timelines, and insurance.
Does Martin Lewis’ home insurance advice work for high value homes, or do you need something more specialist? Hear from Rivr CEO and high value home insurance expert, Will Clarkson Webb.
This guide explains what actually drives the cost of high value home insurance, how it differs from standard policies, and how you can keep premiums competitive without weakening your cover.
If you own a high value house in the UK, your rebuild cost is one of the most important numbers in your insurance. This guide explains what it is, how it differs from market value, and how to estimate a realistic figure.
This guide explains the effects of subsidence property value, why discounts vary, what paperwork narrows the hit, and how to plan repairs and a sale. Written for UK sellers and buyers.
How long claims take, what affects the timeline, and whether making a claim is worth it.
This guide explains what home emergency cover is, how it works day to day, what is covered, what is not, and how it differs from standard home insurance.
Understand the difference between rebuild cost and market value, what full reinstatement includes, the two reliable ways to estimate it, and how to avoid underinsurance using sensible benchmarks and regular reviews.
This guide explains what is subsidence, how to recognise subsidence cracks, what investigations confirm movement, and the repair and claims process. It also covers buying and selling with a history of movement, prevention on clay soils, and practical next steps.
Buying a home soon? Get the insurance timeline straight, buildings at exchange, contents at completion, plus removals, storage and high-value items.
Planning listed building restoration can feel daunting. This guide explains consent, the Act, what work needs approval, and how to approach repair and materials without harming historic fabric.
This guide explains home insurance excess in plain English. Learn the difference between voluntary and compulsory excess, how excess is deducted, typical excess amounts by claim type, and how to choose an excess you can comfortably afford.
This guide explains whether contents insurance is a legal requirement, how the cover works, where it differs from buildings insurance, and how to size and check a policy so your belongings are protected.
This guide explains how home insurance treats electrical issues, the common exclusions, how home emergency cover handles urgent repairs, why maintenance matters, and how to claim with confidence.
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.
Wondering if you need building insurance? This guide explains when it’s required, what it covers, and 10 reasons it matters for homeowners.
This guide shows how to value jewellery for insurance, what a professional report includes, and how secure databases help protect items before and after a claim
Need to insure your Rolex watch? Discover what watch insurance includes under Rivr contents Insurance, how to set values, what to do if your watch is lost or stolen, and how claims are processed.
The complete guide to insuring a new build home. Understand warranty limits, when to arrange buildings insurance, and how Rivr’s cover supports a smooth move.
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.
Home insurance isn’t mandatory, but it protects your home, contents, and finances. Here are 12 clear reasons to consider it in 2025.
Use this step-by-step guide to understand what buildings insurance covers, how claims work, key exclusions, and how to choose the right rebuild cost and optional extras.
In this guide, we’ll explore what buildings accidental damage cover includes, who it benefits, and whether it’s worth having in 2026.
In this guide, we’ll explain what Title Indemnity Insurance covers, when you might need it, and how how it protects you from title-related issues during a property transaction.
Storm, fire or wear and tear, the cause decides everything. See what's covered for roof leaks and damage, what evidence you need, and how to challenge a rejection.
Accidental TV damage can be costly, and it’s not always included in standard home insurance. In this guide, we explain what counts as accidental damage, when your TV is covered, and how to get the right protection, especially for high-value models.
Empty commercial buildings face rising fire, theft and liability risks. After 30 days, most standard policies restrict cover. This guide explains what to do, what to watch for, and how to stay fully protected.
This guide breaks down the main types of home insurance in the UK and explains what each one covers. Explore practical insights to help you find the right level of protection for your property, possessions, and circumstances.
This guide explains how to protect valuables while traveling, covering insurance, safety tips, and legal considerations.
Accidents happen, and sometimes in ways you’d never expect. In this guide, we’ll break down whether you need accidental damage cover on buildings insurance, what it actually protects, and how to decide if it’s right for your home.
In this detailed guide, we’ll clarify what each type of insurance covers, who needs it, and how to choose the right policy for your situation.
Home insurance isn’t legally required in the UK, but it’s often essential for financial security and peace of mind. In this guide, we explain when you might need it, what it covers and why most mortgage lenders expect you to have buildings insurance.
In this guide, we’ll explain everything you need to know about building insurance, including when to arrange it, what it covers, and how it safeguards your home before and after purchase.
A complete guide to engagement ring insurance in the UK: single item limits, real costs, exclusions, and what to check before you buy.
This guide explains what qualifies as storm damage, what’s typically covered under buildings and contents insurance, what’s excluded, how to make a claim, and how to protect your home from future storms.
This guide explains what unoccupied property insurance entails, its importance, common scenarios where it applies, and how to select the right policy.
In this guide, we’ll explore what's behind the recent rise in home insurance costs, covering regional differences, and practical steps homeowners can take to manage their costs effectively.
this guide, we break down exactly what home insurance covers, what’s excluded, and how to choose the right protection for your property and belongings in 2026.
We break down why second home insurance matters, what it covers, and how to choose the right policy, with expert tips on protecting let or unoccupied homes.
In this guide, we’ll explore everything you need to know about fine art insurance in the UK, from getting an art insurance quote to choosing the right insurance for artworks.
In this article, we’ll explore why bicycle insurance is essential for international travel and examine your options for ensuring your prized ride is protected wherever your adventures take you.
Determining the value of your home contents is essential for ensuring you have the right level of insurance coverage. Many homeowners underestimate the value of their belongings, which can lead to inadequate insurance and significant out-of-pocket expenses in the event of a loss.
Rivr is the new way to buy high value home insurance, we offer a fully digital, simple and flexible approach to buying insurance for your home and your most prized possessions. We are protecting the home and life that you have worked so hard to build, so it should have the protection it deserves.
Rivr is the new way to buy high value home insurance, we offer a fully digital, simple and flexible approach to buying insurance for your home and your most prized possessions. We are protecting the home and life that you have worked so hard to build, so it should have the protection it deserves.
In this article, we’ll explore the benefits and drawbacks of standalone bicycle insurance, and look at the alternative options of either adding it to a standard home insurance policy which has some limitations or insuring it as part of a high-value contents insurance policy which can give you more benefits than standalone bicycle insurance.
In this article, we’ll explore the benefits and drawbacks of standalone watch insurance and look at alternative options to help you decide if it’s the right choice for you.
Many homeowners assume their existing coverage is enough without realising the financial impact of not fully insuring their property and possessions. Being underinsured can lead to substantial financial risk, and potentially, an inability to rebuild or replace what has been lost after a disaster.
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.
Travel insurance often limits jewellery cover to £1,500. We explain what's covered, what's not, and when high-value contents insurance is worth it.
glossary
The insurance market can be full of jargon and acronyms. Below is a list of some of the language out there, and what it actually means.
A policy that runs for 12 months and is then reviewed and renewed each year.
If you are insured for less than the true value, the insurer can reduce a claim payout in proportion to the shortfall.
An independent intermediary (like Rivr) who arranges insurance between you and the insurer, and advocates for you when you need help.
Cover for the structure of your home — the walls, roof, floors and permanent fixtures, plus outbuildings, gates and fences.
Cover for the things you own inside your home — furniture, electronics, clothing, valuables and collections.
The amount you pay towards a claim before the insurer pays the rest.
Insurance designed for homes, contents and lifestyles whose value exceeds the limits of standard policies.
A government tax added to insurance premiums, included in the price you are quoted.
The insurer (or person) who assesses your risk and provides the actual cover behind your policy.
3 simple steps
