High value home and contents insurance

Get a high value home and contents insurance quote from a company with over a century of experience providing cover for family homes worth over £500,000 and for large estates and the valuable items within them.

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Your time - valued

When something bad happens you want to get your life back in order quickly. We respond to claims in 24 hours and issue payment within 48 hours of approval.

Your experience - valued

Your home and all that is in it, reflects everything you have worked for. We have a team of qualified home appraisers who will help assess everything that is important to you, so there are no quibbles when it comes to what we pay out.

Your peace of mind - valued

Knowing you and your family’s valued possessions are properly covered provides peace of mind. Our policies are written from years of experience to provide comprehensive bespoke coverage, so you know your possessions are properly protected.

Why Chubb?

Protecting all that makes your house, your home

Whether you’ve recently bought your house, or it’s been in your family for generations, we understand the care and attention that goes into making it your home.

Complimentary home appraisals

We don’t leave you to guess the value of your home. In most instances, we send an expert Chubb risk consultant to document the intricacies of your property and precious possessions, so you know you have the coverage you need. If you have high value contents worth over £100,000 you will benefit from our bespoke policies.

Unlimited Repair Cover

We restore to the standard you expect, and never below. For most homes, we guarantee that we will repair or rebuild your home exactly as it was, even if the costs exceed your sum insured.

Take cash instead

We won’t force a course of action on you. In the event of covered total loss, if you decide not to rebuild, you can take an equivalent cash settlement of the value of your house.

A home away from home

From hotels to short-term residences, if you need a place to stay while your home is being repaired or rebuilt, we’ll help you find the right place based on where you’ll be most comfortable.

All your residences on one policy

Whether you own a weekend house in the country, a holiday home in France, or have an extensive worldwide property portfolio, we may be able to cover all your properties under one insurance policy.

Protection for your contents

It’s difficult to know exactly how much your contents are worth. For most homes, if the sum you’re insured for isn’t quite enough, we will automatically increase it by up to 25%, following approval.

Family protection

If a theft or burglary leaves you or your family disturbed we know how hard it is to carry on as normal. Our policy will cover the cost of any counselling to get you back to your old self and any upgrades in security that you may wish to do to your home for added peace of mind.

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Home and contents insurance

Benefits at a glance:

Complimentary home assessment service
Unlimited repair coverage
Additional living expenses covered
Cash-instead option
Replacement value for contents
Water or oil leak coverage, including cost of loss and damage
Comprehensive family protection
Worldwide travel insurance
Public liability and legal expense coverage

Comprehensive worldwide coverage of valuables to their Agreed Value
Recovered items offered back at no higher an amount than what was paid out
Dedicated in-house team of Fine Art, Jewellery & Collection Specialists, with referrals to a global network of vetted collection experts
Collection Risk Assessment and Valuation Review
Liberal valuation requirement with immediate coverage for newly acquired items
Partnership with Flood Re

Flood RE

What is Flood Re?

Flood Re is a joint initiative between the UK Government and insurers to help people who live in flood risk areas get affordable home insurance. It launched on 4 April 2016 and will run for 25 years.

Flood Re is not a home insurer itself – instead it works behind the scenes with existing insurance companies. As a re-insurance scheme it helps insurers offer more affordable flood insurance to those in areas at risk of flooding. This means people can shop around more easily to find policies with more affordable premiums and excesses.

The scheme helps households at the highest risk of flooding and provides information about taking action to reduce flood risk.

Customers will not deal directly with Flood Re. In the case of a customer making a claim because of a flood they will have their claim managed and repair works completed by their insurer in the usual way, but the insurer will then be able to recover those costs from Flood Re.

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