Your guide to home insurance
Not sure what cover you need for your property? Find out more by reading some of our useful guides about finding the right cover for your high value home and contents.
Read morePrivate clients insurance
We understand that private clients’ needs are varied, and that quality service and a first class customer experience is important to you. Whether for your home and possessions, car collection or employed staff, we offer a professional approach and a range of policy benefits specific to you.
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What does our private clients insurance cover?
We provide flexible cover as part of our private client insurance package to help you make sure your home and belongings are protected. We’ll provide cover for:
High value buildings and contents
A minimum of £800,000 buildings cover and £100,000 contents cover against a wide variety of risks, including fire, subsidence, escape of water, flood, accidental damage, theft and worldwide cover away from the home.
Fine art and jewellery
Protect your personal belongings, such as jewellery and watches, with cover specifically designed to cater for fine art and high value items. Our policies also provide 'Death of Artist' cover should a piece of art work jump in value overnight.
Accidental damage
We provide a range of cover for your property and valuables, including protection against accidental damage.
Legal expenses and home emergency
Add legal expenses and home emergency cover to your policy to protect yourself against legal disputes and protect your property against the loss of essential services, such as plumbing and heating problems.
Frequently asked questions about high value home insurance
Choosing a home insurance policy for your property is an important decision, but the stakes are raised further with high value homes and belongings. We’ve taken the time to answer some of your frequently asked questions about high value home insurance so you can feel confident you’re making the right decision about your cover.
What is high net worth insurance?
High net worth insurance, also known as ‘private clients’ insurance, is home insurance for high value property and contents. This can include cover for buildings, contents or both, but the key difference is that high net worth insurance will usually provide a much higher sum insured than a standard home insurance policy.
Buildings insurance will provide cover for the structure of your property, including any outbuildings or property features, such as tennis courts or garages.
The contents section of your policy will provide cover for your belongings, such as furniture and furnishings, and can also be tailored to include cover for fine art and jewellery. These are items that also wouldn’t usually be covered under a standard home insurance policy, or if they are, there is usually a cap on the amount of cover provided for certain specified items. It’s important to make sure you have an accurate, professional valuation for any high value property belongings you wish to insure, as otherwise your insurance could be invalidated in the event of a claim.
Do I need high value contents insurance?
If you have any high value contents in your property, such as furniture, clothing or jewellery, you may require contents insurance to cover your belongings as these won’t be covered under buildings insurance.
Our private clients insurance provides contents cover up to £100,000 against a range of risks, including fire, subsidence, escape of water, flood, accidental damage and theft. We also provide worldwide protection for your contents away from the home, which is an invaluable cover if you travel often and want to take your high value belongings with you.
What else does high net worth home insurance cover?
As well as the covers listed above, we can also provide the following as part of our private clients insurance package:
Public liability insurance
If you often have visitors and guests at the property, public liability cover is included as standard starting at £5 million.
Employers’ liability insurance
If you employ cleaners, gardeners or nannies, we provide employers’ liability cover up to £10 million.
Alternative accommodation
Include alternative accommodation cover to ensure you still have a roof over your head, even if your property becomes uninhabitable following an insured loss
Why Endsleigh for private clients insurance?
With an entrepreneurial heritage going back over 50 years, Endsleigh has access to a wide ranging portfolio of insurers. Our expertise and experience mean that insurers want to work with us to quote and cover a diverse and broad range of cover options. It’s the strength of these relationships that enables us to deliver first class service standards to our private clients.
Interested in private clients insurance? You might also be interested in...
Listed property insurance
We specialising in finding buildings and contents insurance for homes that are listed or over 100 years old.
Renovation home insurance
Cover for your home if it’s being renovated or refurbished, either by you or a professional contractor.
Holiday home insurance
We'll provide cover for second homes, Airbnb, holiday rentals, holiday cottages and holiday lets.
Need to contact us?
Our friendly team are ready to talk to you:
We’re here 9am-5pm, Monday to Friday
Call us on 0333 234 0039