High-Value Home Insurance
A home like no other. Insurance to match. Bespoke Home Insurance for high-value homes and contents over £150,000.
At NFU Mutual, we recognise that your property and possessions aren’t just high value - they’re highly valued. That’s why a Bespoke Home Insurance Adviser will take the time to understand your circumstances, so your cover reflects what matters most to you. With tailored protection shaped around your lifestyle, and personal support from your local Adviser, you can feel confident your home and contents are properly protected.
Because protecting what’s truly personal takes real understanding.
High-Value Home Insurance overview
A high-value home can have unique requirements, from the property itself to the possessions within it. Protection can be shaped around your home, contents, and the way you live.
What’s included in our High-Value Home Insurance
- Accidental damage cover. Full accidental damage cover for buildings and contents - so life’s unexpected moments don’t become major setbacks.
- Worldwide cover. Your belongings are protected wherever you are, offering reassurance when travelling.
- Alternative accommodation. If your home becomes uninhabitable, we’ll arrange suitable accommodation for you, your family, and your pets.
- Locks, safes, and security. Replacement of locks and security systems - so you feel safe if your keys are lost or stolen.
- Home Emergency Cover. 24/7 support for sudden domestic emergencies, with up to £1,500 per claim (provided by ARAG plc).
- Personal Legal Expenses cover. Legal advice and representation for you and your family, including a 24 hour helpline (administered by ARAG UK).
- Trace and access. We cover the cost of finding the source of leaking water or oil in your home.
- Personal Cyber cover. Protection against cyber attacks, identity theft and online fraud up to £50,000 in any one period of cover - plus access to a 24/7 cyber assistance helpline.
- Garden and grounds cover. Protection for contents kept in your garden or grounds - including outdoor furniture, ornaments, and items stored in outbuildings.
- Unauthorised use of credit cards. Cover for the unauthorised use of your credit cards anywhere in the world, up to £50,000.
- Valuables, jewellery, and watches. Cover for valuables, including jewellery and watches, up to £10,000 per item, pair or set, and £50,000 in total. Higher limits are available if required.
The features, exclusions, and limits listed are not exhaustive. Your cover will depend on your circumstances. When you get in touch we’ll explain the full details. You can find further information in the Important Documents section
Personal Cyber Cover
Personal Cyber Cover is included as standard with NFU Mutual High-Value Home Insurance.
Our Personal Cyber Cover provides expert support and up to £50,000 of cover per year if you become a victim of cybercrime. You'll also have access to a dedicated 24/7 (closed Christmas Day and New Year's Day) Cyber Assistance Helpline (0800 138 8211), offering practical guidance and support whenever you need it.
This cover can help protect you against the financial and practical impact of cyber incidents, giving you greater peace of mind in an increasingly connected world.
Built for high-value homes
Many high-value homes have unique requirements - from specialist materials and higher rebuild costs to valuable collections and complex layouts. Bespoke Home Insurance Advisers understand these differences and help ensure your cover reflects the way you live:
• Higher rebuild costs
• Specialist materials and craftsmanship
• Valuable contents and collections
• Outbuildings, stables, and extensive grounds
• Remote locations affecting emergency access
Our high-value home insurance is designed around your home, with support from local Bespoke Home Insurance Advisers who understand how you live.
Ready to protect your high-value home?
Speak to your local NFU Mutual Adviser for tailored advice shaped around your home and lifestyle. Because protecting what’s truly personal takes truly personal care.
Extend your cover to suit your lifestyle
You can tailor your cover even further to reflect your lifestyle - from fine art, collections, and valuables to dogs and cats and travel.
Important documents
The documents available to download below are designed for customers taking out a new policy. If you already hold a policy with us, these documents may not fully reflect your current cover.
To view documents for an existing, active policy, please contact the agency where you originally purchased your policy, or log in or register for an online account to view your policies online, anytime.
