Looking for specialist insurance for your high-value property? At Chris Knott Insurance, we understand that exceptional homes require exceptional protection.
Our bespoke high-net-worth home insurance offers comprehensive coverage designed specifically for premium properties and valuable possessions, ensuring you receive protection that matches the quality of your lifestyle.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
Efficient, clear, and competitive. I ran through three comparison sites before calling Chris Knott and they beat them all. UK-based team made the whole thing painless.
Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
High-net-worth home insurance is a specialist form of protection designed for properties of significant value, typically worth £500,000 or more, and/or contents valued at £75,000 or above. Unlike standard home insurance, these policies are tailored to address the unique risks associated with luxury properties, valuable collections, and high-end possessions.
Our high-net-worth policies recognise that your home isn’t just a standard property – it may feature bespoke architectural elements, premium materials, luxury fittings, or even listed status. Similarly, your possessions might include valuable artwork, jewellery, antiques, or collections that require specific expertise to value and protect properly.
Standard home insurance policies often fall short when protecting high-value properties and possessions. These conventional policies typically have fixed limits and exclusions that aren’t sufficient for premium homes. Without specialist coverage, you risk being underinsured, potentially facing significant financial shortfalls in the event of a claim.
The limitations become particularly evident when considering the rebuilding costs for luxury or period properties with specialist materials or craftsmanship. Similarly, standard policies rarely provide adequate coverage for bespoke kitchens, bathrooms, or architectural features. The accurate valuation of art, antiques, jewellery, and collections requires specialist knowledge that mainstream insurers often lack.
Our high-net-worth policies offer extensive protection beyond standard home insurance:
This covers the structure of your property against risks like fire, flood, storm damage, and subsidence. For high-value properties, our coverage includes full rebuilding costs, even for listed buildings or homes with unique architectural features requiring specialist materials and craftsmanship.
We provide generous coverage limits for your possessions, with protection against damage, theft, and accidental damage. Our policies include worldwide cover for your belongings, ensuring they’re protected whether they’re in your home or accompanying you on your travels.
This protects high-value items like jewellery, watches, art, and antiques. Our policies can include specialist valuation services to ensure these items are insured for their true worth with appropriate single-item limits.
Should your home become uninhabitable due to an insured event, we provide cover for suitable alternative accommodation that matches your standard of living, without the restrictive time limits typically found in standard policies.
Comprehensive liability coverage protects you against claims made by third parties for injuries or property damage, including cover for domestic staff employed at your property
The most common questions we're asked about high-net-worth home insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
High-net-worth insurance stands apart from standard coverage through higher limits that offer significantly greater cover for buildings and contents, removing constraints that might leave you underinsured. Our policies employ bespoke valuations with specialist valuers who understand the true worth of luxury properties and valuable items.
The terms are flexible and can be tailored to your specific lifestyle, including cover for multiple homes, extended travel periods, or unique collections. You'll benefit from a premium claims service with dedicated handlers and a smoother process, often requiring less documentation and providing faster resolution than standard policies.
Many of our high-net-worth policies include additional services such as security assessments, valuation reviews, and risk management advice that wouldn't be available with typical home insurance.
Several considerations influence the cost of your high-net-worth home insurance:
Whatever kind of property you own, rent or let, we arrange specialist cover from a panel of leading insurers. Browse our full range below or speak to our team.
One broker, many kinds of cover - all handled by our UK-based team.
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ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every high-net-worth home insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
