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Our high value home insurance is jam-packed with features.

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Thanks to many happy customers we’re Feefo Platinum Trusted Service Award winners!

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Key features of Lifesure’s high value home insurance

Worldwide Personal Possessions Insurance

Worldwide personal possessions cover

Building Insurance Cover

Buildings cover from £1m

Alternative Accommodation Insurance

Alternative accommodation cover

Contents Cover

Contents cover from £75,000

Insurance For High Value Items

Specifically insure high value items in your home

Garden Contents Damage Cover

Cover for damage to the contents of your garden

Why Lifesure high value home insurance?

Your house is your home, but it’s more than that. It’s an investment and you’ve worked hard to fill it with treasures along the way.

Not just any insurance will do, which is why we work with a panel of household insurers that understand the very nature of premium properties, so that we can try to offer suitable high value contents and building insurance. We only recommend high net worth home insurance policies that we think will tick the boxes, based on the information you give us, and our multi-skilled Cambridgeshire-based team will make sure any valuable items you declare will receive the protection they need as well. Call us today to see what we can do to help you protect your home.

Our high value home insurance offers many features for our customers, with many sharing that our prices and good old-fashioned customer service are just what they were looking for. In fact, that’s why we received the Feefo Platinum Trusted Service Award!

Our award-winning team of advisors is on the end of the phone for our customers, but for those who prefer to manage their insurance online we offer MyLifesure, our online customer self-service portal. It gives access to policy details and documents, when and where you need them, with the option to send us a secure message too. It’s a simple tool that makes a huge difference to our customers.

What does Lifesure’s high net worth home insurance include?

Take a look at how we could protect your high value home and contents with our handy summary below. These features are included as standard in many of the policies we offer. Remember that no policy protects you against every scenario and it’s best to also read our policy documents to understand the conditions and exclusions that apply.

What's covered

  • Automatic worldwide possessions protection
  • We can arrange to specifically insure items in your home of particularly high value
  • Cover for damage to the contents of your garden, such as furniture, sheds and hot tubs (subject to cover limits)
  • Automatic increase in cover to the value of any item of fine art, antiques or collectables should the artist die during the period of insurance
  • Alternative accommodation for the members of your household, including pets, should you be unable to live in your home following a claim
  • Concerned about identify theft? Worried about your legal liability to domestic employees? Talk to us. We can tailor policies to suit you and your lifestyle

What's not covered

  • Limitations and exclusions can apply if you’re away from home for long periods of time, so make sure you tell us if you’re taking an extended trip
  • Values exceeding the sums insured
  • Claims for individual items above our standard limits, unless agreed with the insurer when you took out the policy
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Home emergency Up to £500 to pay for emergency repairs following certain incidents in your home
  • Home excess protection We will reimburse you for the excess on your home insurance policy following a claim on your home insurance, up to the level of cover you choose
  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Family legal Up to £50,000 for professional fees if you need to take legal action following certain insured events

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Full high value home policy information

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Family legal expenses insurance (purchased on/after 01.04.20)
PDF 148.58 KB
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Home emergency insurance (renewal on/after 14.08.22)
PDF 449.24 KB
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Home emergency insurance (renewal on/after 15.8.22)
PDF 424.09 KB
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Home excess reimbursement insurance
PDF 385.97 KB
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Key cover insurance
PDF 222.18 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card or credit card.

We advise our customers to prioritise the right level of protection for their home over price. Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Not just old hats at home insurance, did you know that we offer a whole host of everyday and leisure insurances, all under one roof? Our people are multi-skilled too, so they’ll be able to talk about all of your policies in the one go.

From home insurance to breakdown cover, we’ve brought together a collection of jam-packed policies so shopping around for what suits you is that little bit easier.

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