Rural mass affluent stone home with rose flowerbeds in foreground

High Value Home Insurance

Tailored protection worth every penny

NFU Mutual Bespoke Home Insurance is designed to give you peace of mind and protect the things you cherish.

We offer protection for high value homes, estates and manor houses. Our cover has been specially designed to cover valuable properties with more complex insurance needs, including contents, fine art and collections valued from £100,000.

If you have more than one UK-based property, we can help protect them as part of the same policy. 

We apply a meticulous attention to detail when protecting your home, and do the same when arranging protection for items such as overseas holiday homes and large boats not covered by this policy.

NFU Mutual Bespoke Home Insurance provides one of the highest quality offerings in the market and is rated 5 Star for High Net Worth Home Insurance by independent financial research company Defaqto.

So, speak to your local agent, and they’ll help you choose the right benefits for personalised cover.

  • 300 local branches offering personal, tailored care
  • No quibble approach to claims
  • No admin fees for changes to your policy and no charges on Direct Debit payments

Cover worth every penny, as standard

  • Personal Belongings Insurance included as standard, up to £20,000 per item, providing worldwide protection - reviewed annually
  • Accidental damage cover included as standard
  • Home Emergency Cover included as standard, protecting you against seven types of domestic emergencies, up to £1,500 per claim
  • 3 year warranty against the quality of workmanship for building repair works to insured damage carried out by our approved contractors*
  • Alternative accommodation cover – we'll pay the cost, with no limit, of somewhere to stay for you, your family, and domestic pets, if your home can't be lived in
  • Cover, under your contents insurance, of fine art, collections and valuables, including jewellery, up to £10,000. Should one of a pair go missing we'll even replace the set
  • Damage to contents in your garden up to £50,000, including marquees and hired equipment. Trees, shrubs and lawns up to £50,000 or 10% of insured rebuild cost of your home
  • Personal legal expenses up to £100,000 to provide you or your family with advice and help with the cost of legal representation - including a 24-hour advice helpline.
  • Unlimited trace and access cover – we cover costs for tracing the source of an oil or water leak and repair any damage caused by the search
  • Automatic increase of your contents sum insured by £30,000 a month before and a month after a special event
  • Even your visitors' belongings are covered, giving you and the guests in your home peace of mind
  • New purchases are automatically covered up to 25% of the contents sum insured for 90 days from the date of purchase.


  • We can cover your additional UK properties with our Holiday Accommodation cover extension, Product Information Document [PDF: 74KB] specifically designed for people who let their homes to paying guests

  • Our Fine Art and Collections extension can cover restoration or replacement in the event of any loss up to £20,000 per single item, unless specified
  • We offer a Valuables and Jewellery extension, providing additional cover for items over £5,000. Single item limit of up to £20,000, unless specified. 

Buildings Insurance, Product Information Document [PDF: 77KB], and Contents Insurance, Product Information Document [PDF: 80KB], are also available as standalone covers as part of NFU Mutual Bespoke Home Insurance.