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.
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!)
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:
You get a senior, dedicated insurance professional to work with you. As part of the service, they’ll:
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Most insurers ask those expensive items, over a certain value (£10k-£30k depending on the insurer) to be professionally valued.
We recommend every 3-5 years, and make sure you use a reputable jeweller, one that is part of a regulatory body. We can help recommend someone if you need. It is always worth bearing in mind the value of items can change through time. It happens very often, that once a client has their valuables appraised, they have a pleasant surprise and need to increase their cover to reflect the higher values.
Historically, surveyors would include this on their survey reports, but that is less common in practice now. There are other methods, but the most accurate is to get the property surveyed. A lot of the high net worth insurers will include this free of charge within their cover. And for those insurers that don’t include it, we have access to an RICS approved firm of surveyors who can accurately calculate to rebuild sum from their desktop.
Yes, you can. This means you will have the same renewal date as the main policy, you’ll receive the same amazing claims service and there won’t be any grey areas between which insurer is covering what. even if not in the UK, with our panel of insurers we can cover your holiday home for peace of mind.
Yes, let them know, just in case. If you have a standard insurance policy, they probably need to know whatever it is you’re doing to the property. With a high net worth policy, you don’t generally need to notify them of building works unless the contract value is going to exceed £100,000.