High-Value Home Insurance - Full Time Cover

High-Value Home Insurance

Protect your home and make a difference

With Full-Time Cover, get first-class Home Insurance that you can depend on.

We work with leading insurers to deliver you results.


No two homes are the same. That’s why we work with several respected insurers to find a policy that suits your distinctive household. With FullTime Cover, we are boutique, independent brokers and work with a trusted panel of the very best high-value home insurance providers to find the insurer that is best suited for you. You have one point of contact throughout your journey, from placement to adjustments, to claim if needed. That means no long waits on the phone, you have the direct number of your account advisor to contact immediately, even if it’s just to ask a question. We are comprehensive in Cover, never your time.

Whether you’re looking to insure your residential property, a second or holiday home, or a non-standard building, we’ll make sure the unique features of your property are covered. We take the time to understand what’s important to you, from that piece of jewellery that’s been in the family for generations down to any little extras like hole-in-one golf insurance (crazy golf doesn’t count!)

20% of ALL Profits go to These Charities

Key Features

High-value home insurance is designed for those with valuable homes and possessions, if your home is worth a lot of money, are you have high-value jewellery or art, standard home insurance policies may not offer enough cover. Specialist Home insurance not only gives you more protection but also offers a service that you would expect for your cherished items and valuables

 A high-value home insurance policy with FTC can include:

  • Cover for collections of high-value jewellery and watches, fine art, antiques, guns, and many other types of valuables.
  • Pairs & Sets cover. If you damage an item that’s part of a pair or set and a replacement can’t be found, the entire set will be replaced or compensated for.
  • Automatic cover for new purchases. If you treat yourself to something new, it will be automatically covered for up to 60 days before you need to let us know (subject to a maximum value, dependent on the insurer).
  • Access to high net worth insurers and independent surveyors who’ll be able to validate your current building sum insured.

What you can expect from our Private Clients team

You get a senior, dedicated insurance professional to work with you. As part of the service, they’ll:

  • Get to know you personally and understand your priorities
  • Advise you on protecting your home and possessions
  • Negotiate a suitable combination of cover and price for you
  • Meet and communicate in a way that suits you
  • Simplify your insurance portfolio, such as having your home, cars, and additional properties all under one policy
  • Work with our dedicated claims team to make sure any claims run smoothly


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