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High net worth insurance specialists – A&T Private Client Insurance

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Do I Need High Value Home Insurance?


Choosing a home insurance policy can be a daunting task and with so much choice, it's difficult to understand what policy fits your needs. Often clients presume that high value home insurance is only suitable to those who are extremely wealthy, however, this is not always the case.

The first thing step you need to take is to think about and take note of all of your items you deem most valuable; this could be a family heirloom, an engagement ring or similar. We often find that jewellery is under-insured and recommend having it valued by a professional when looking to insure. 

The main reason a high value home insurance policy is especially relevant and needed is to cover the cost of a complete rebuild. If your property’s rebuild cost is over £250,000, it is recommended you seek high value home insurance to ensure that you can stay financially stable if the worst should happen and a rebuild is needed. In this case having a high value home insurance policy benefits many because the majority of policies will also provide alternative accommodation while your house is being rebuilt, dependent on the policy you have.

Unusual items and collectables are also something high value home insurance experts will have experience in and will be able to assist and guide you in insuring them. Pieces of fine art and expensive furniture within the home are something that will be covered by your high value home insurance. Although many items in the home are irreplaceable, having an insurance policy that will provide a sum that you feel will suffice may ease the pain in the unfortunate situation if something were to go wrong.


Our High Value Home Insurance service includes:

  • A dedicated home insurance adviser to guide you through the process
  • Free review of your current insurance arrangements and no obligation quote
  • Policies are underwritten by selected panel of UK’s leading insurers
  • Optional covers available
  • Selection of payment options including monthly instalment facility available on request
  • Exclusive online access to risk management service 
  • Access to 24/7 claims notification service operated by highly experienced advisers

What Next?

For an informal discussion and a free quotation for your Private Client Insurance requirements, please call our team on 01202 754900 or complete the quote request form on this page and we will contact you.


About Alan & Thomas

Firmly established as one of the top 100 independent insurance brokers in the UK, we have been providing personalised insurance policies since 1975. Using a network of 37 independent brokers known as Brokerbility, our expert team can offer a local and personal service across the whole of the UK.

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Chartered Insurance Brokers

Chartered Insurance Brokers

Having been awarded the highly regarded title of "Chartered Insurance Broker" by the Chartered Insurance Institute (CII) back in 2007, we are currently the only independent broker in Dorset to have achieved this status.

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Why choose Alan & Thomas?
  • Top 100 UK independent broker* with Chartered Insurance Broker status
  • Dedicated private client insurance expert to guide you through the process
  • Free no obligation insurance review and quotation
  • Bespoke levels of insurance cover tailored to your individual requirements
  • Competitive insurance premiums underwritten by the UK's leading insurers
  • Multi-policies available - one renewal, one premium
  • Dedicated in-house claims team who will deal with any claim on your behalf

* Top 100 Independent Brokers 2015 published by Insurance Age in association with Cornell Consulting

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