"If your home or something you own is of particularly high value, some home insurance providers might require certain security. This could include types of alarms or cameras to make sure you've done as much as you can to protect yourself."
What is high-value buildings insurance?
High-value building insurance is specialist insurance for an expensive property. It's specifically for your home's structure, and would cover the cost of repairing or rebuilding it if it was damaged or destroyed.
It's different from a standard buildings insurance because it pays out a higher amount if you need to claim. A standard buildings insurance policy has a limit which might not offer the right amount of cover if your home is particularly expensive. This means if you need to claim, your pay out might not be enough to cover the damage. To give you an idea of how much you could pay, the average cost for an annual combined home and contents insurance policy for a Grade I listed building is £572*.
You might need high-value home insurance if you own a:
*Based on Confused.com data July - September 2024
What our home insurance expert says
What is high-value contents insurance?
High-value contents insurance covers high-value items like paintings or expensive furniture. It's worth checking your policy to see what the insurer classes as high-value. If you have lots of expensive items, a standard policy might not be enough for you.
You can get specific types of insurance for different high-value items, including:
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How do I value my home and contents?
How do I value my home?
You need to work out your home's rebuild cost for your insurance. This isn't what you paid for your home, it's how much you'd have to pay if your home was destroyed. If you've got a high-value home, your insurer might send out a surveyor to work out the cost of the property.
How do I value my contents?
Use our contents insurance calculator to help you work out the cost of your belongings. Make sure you include high-value items like jewellery and watches. You can find out how much cover you might need, and whether you need a high-value insurance policy.
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How to claim
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
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