Luxury Home Insurance
Luxury Home Insurance
Elegance Unveiled, Security Redefined: Luxury Home Insurance Excellence
Are you looking to protect your high-end, one-of-a-kind home? Safeguarding your property and the assets inside calls for more than what’s on offer from a standard home insurance policy. Arkwright’s Luxury Home Insurance is designed to keep every carefully curated feature of your residence safe.
Whether talking about a Grade II listed townhouse, a countryside estate, or a penthouse in the Capital, our tailored policies include agreed value cover and personalised claims support , giving you comprehensive protection that reflects your lifestyle and the true worth of your home.
What Do You Get With Luxury Home Insurance?
So, what’s on offer over and above what you’d usually get with standard home insurance? Luxury homes often contain priceless possessions and have features that can only be properly covered with luxury home insurance .
Let’s take a look at the range of additional benefits you can enjoy.
- Protection for the structure and grounds, including bespoke builds, heritage architecture, outbuildings, and extensions
- Cover for high-value contents such as fine art, antiques, designer furnishings, and jewellery insurance
- Specialist protection for home security systems and smart tech, essential to your home’s safety and operation
- Property owner’s liability insurance covering injury or damage claims arising on your estate
- Optional cover for flood, subsidence, and accidental damage, with terms tailored to match your home’s specific risks
- Agreed value cover that reflects your home’s real market worth — no depreciation or vague estimates
Our luxury home insurance is designed to reflect the true value of your property, delivering practical protection shaped around how you live and what your home really needs.
Types of Cover in Luxury Home Insurance
When you own a prestige property, luxury home insurance gives you real peace of mind thanks to the main aspects it covers. Offering a range of specialised options, you’ll know that every aspect of your property and lifestyle is covered.
Available types include:
Building Cover
This cover protects your home’s structure, including any bespoke architecture, extensions or outbuildings you’ve had constructed. This ensures that the costs involved with repairing or rebuilding after damage are fully covered.
Contents Cover
What’s inside your needs to be protected, too, and this protects your most valuable possessions, whether talking about fine art, antiques or designer furnishings. Our policies accommodate the high-end items often found in luxury homes.
Accidental Damage
Unexpected incidents can happen anywhere, including in the home. The kind of luxury home insurance ensures that any mishaps that happen at your property are covered, giving you the peace of mind needed to live with confidence.
Liability Cover
Entertaining guests on a regular basis? Often have contractors working in your home? You can protect yourself against the legal liabilities involved with someone getting hurt or damaging your property.
Flood and Subsidence Cover
Whether your property is luxury or not, you still need protection against risks from environmental threats. Our policies include tailored options to cover damage caused by flooding, subsidence, and other natural hazards.
Security Systems & Home Technology
In these modern times, luxury home insurance needs to cater for smart home tech and advanced security systems. Our team can find you the cover that takes these sophisticated systems into account, keeping you safe both physically and financially.
Each type of luxury home insurance cover is tailored to reflect the unique requirements of your home and lifestyle, ensuring you’re comprehensively protected from every angle.
Things You Should Know About Luxury Home Insurance
When you understand the finer details of having luxury home insurance , you’re much better placed to protect what matters to you. As such, here are a few things that you should know before taking out a policy.
Valuation Is Critical
Luxury homes and what they house often require professional valuations to establish accurate agreed value cover . Regular updates also ensure that your policy keeps pace with market changes and anything new you may have acquired since it began.
Specialist Repairs and Restoration
In many cases, claims involving bespoke features or valuable contents call for the attention of experts who understand the craftsmanship involved. This ensures you get the payout you need to restore items to their original condition.
Security and Risk Management
Insurers take into account top-tier security systems , CCTV, and other protective measures when reviewing your policy. By keeping these features well-documented, you can help lower your premiums and make claims run more smoothly.
Declaring Seasonal or Occasional Use
If you only use your luxury home from time to time, it’s important to declare it. Many policies offer flexible terms to accommodate periods when the property is unoccupied, ensuring that you get ongoing protection.
Claims Handling
When something unexpected happens, dealing with a claim can quickly become overwhelming, especially with a high-value property. Having access to dedicated claims support ensures the process is far less disruptive to your day-to-day life.
Security Systems & Home Technology
In these modern times, luxury home insurance needs to cater for smart home tech and advanced security systems. Our team can find you the cover that takes these sophisticated systems into account, keeping you safe both physically and financially.
Each type of luxury home insurance cover is tailored to reflect the unique requirements of your home and lifestyle, ensuring you’re comprehensively protected from every angle.
Why Choose Arkwright for Luxury Home Insurance
At Arkwright Private Clients, we specialise in luxury home insurance that goes far beyond what standard policies give you. Our expertise lies in understanding the unique challenges high-value properties present, from intricate architectural features to priceless collections.
We provide:
- Agreed value cover that truly reflects your property’s worth
- Personalised claims support from brokers experienced in the luxury market
- Flexible policies tailored to your home’s specific features and your lifestyle
- Access to trusted specialists for repairs and restoration
- Support that understands your home is personal, with careful, discreet service every step of the way.
Choosing Arkwright for your luxury home insurance means partnering with a team dedicated to safeguarding your investment with the utmost care, so you can enjoy the complete peace of mind you deserve.
High value home insurance by Arkwright Private Clients
What is high value home insurance?
High value home insurance policies often provide more comprehensive coverage for unique risks, such as expensive renovations or custom features in the home. It is important for homeowners with valuable assets to consider this type of insurance to ensure they are adequately protected in case of unforeseen events. Home insurance is a specialised type of coverage designed for luxury homes and properties with high monetary value. This type of insurance typically offers higher coverage limits and additional benefits to protect valuable assets, such as fine art, jewelry, and high-end electronics.
Worldwide Cover
Cover for contents including electronic devices, jewellery and watches, option to add Worlwide Travel Insurance
Watch Collection Insurance
Specified Cover Worldwide
Art Insurance
Bespoke cover for art, antiques, jewellery and watches with expert underwriting
Cyber security insurance
Cover for connected home devices in the event of cybercrime, such as identity
Comprehensive Covers
Accidental damage cover included as standard
Home Emergency & Legal Cover
Home emergency cover with 24 hours helpline & Legal Helpline and Assist Cover
FAQ
What is luxury home insurance?
Luxury home insurance is a specialised policy designed for high-value properties, offering enhanced coverage limits, customized options, and worldwide protection for expensive homes and their contents.
What does luxury home insurance cover that standard policies don’t?
Luxury home insurance steps in where standard policies fall short — covering things like bespoke architecture, high-value contents, top-end tech, and outbuildings. It’s built for homes that don’t fit the usual model.
Keyword
What types of coverage are included in luxury home insurance?
It typically covers the building structure, luxury interior finishes, art collections, jewelry, liability claims, alternative accommodation, and worldwide protection for valuable personal belongings.
How is the value of my luxury home and contents determined?
We’ll help you get a professional valuation so there’s no guesswork. That way, if anything happens, you know your home and belongings are insured for what they’re really worth, not just what someone thinks they’re worth.
Can luxury home insurance cover vacation and secondary homes?
Yes — many luxury home insurance providers offer multi-property policies, covering both primary residences and secondary vacation homes under one comprehensive, high-value insurance plan.
Does luxury home insurance cover accidental damage?
Yes — many policies include optional accidental damage cover, which means you’re still protected if someone drops a glass on a marble floor or knocks over a valuable piece by mistake
Can I insure outbuildings and landscaping?
Definitely. Garages, guesthouses, garden features, and even your landscaping can be included, because it’s all part of what makes your property special.
What should I do if my luxury home is unoccupied for extended periods?
Just let your insurer know. Many policies offer special cover for times when you’re away, whether that’s a long trip, seasonal stay, or between moves.
How does personalised claims support work with luxury home insurance?
With Arkwright, you get a real person who knows your policy and will walk you through every step. There are no call centre queues or having to repeat yourself to different people — just calm, professional support.
Are high-end security systems considered in my insurance?
Yes — and having them installed can even help to bring your premiums down. Let us know what’s in place, and we’ll make sure it’s factored in properly.