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High Value Home Insurance

Tailored protection worth every penny

NFU Mutual Bespoke 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 NFU Mutual Bespoke Insurance.

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 claims
  • No admin fees for changes to your policy and no charges on Direct Debit, credit or debit card payments.

Cover worth every penny, as standard

  • Personal belongings cover, up to £20,000 per item, as standard - including worldwide protection, reviewed annually
  • Accidental damage cover included as standard
  • Home Emergency Cover included, protecting you against seven 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 valuables and jewellery up to £10,000 in total, £5,000 per single item. 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 visitor's 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.

ENHANCE YOUR COVER TO INCLUDE OTHER PROPERTIES AND MORE VALUABLE JEWELLERY

  • We can cover your additional UK properties with our Holiday Accommodation cover extension, 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: 79KB, and Contents Insurace, Product Information Document [PDF: 77KB]are also available as standalone covers as part of NFU Mutual Bespoke Insurance.

*Excludes connected services such as drainage system or sewage tank; boiler and heating systems are covered under optional Home Emergency, where a one year repair guarantee is provided.

We can explain what limits and exclusions apply, so you can ensure the cover is right for you – or take a look at our policy reference booklet for more details.