High Value Home Insurance

For over 30 years, Flint’s specialist Private Clients team has handled high net worth insurance, including high value home, high value contents, jewellery and artwork.

Our highly trained Private Client team deals with every aspect of your insurance, from providing risk details to underwriters, securing the quote and sorting documentation. More importantly, in the event of a claim, you receive our full support – we are on hand 24 hours a day to assist you in the event of a loss.

Main Features

Expert in arranging high value homes insurance – listed, heritage and extraordinary homes – our Private Client team will take the time to understand your requirements and ensure the cover we recommend meets your needs and valuations. Our comprehensive high value home insurance policies can include:

  • High value homes and outbuildings
  • Listed and heritage properties
  • General contents insurance
  • Fine art and collectibles
  • High value jewellery
  • Holiday homes in both the UK and overseas
  • Unoccupied property and homes undergoing building works


Helping you find the right insurer

At Flint Insurance, we understand that selecting exactly the right insurance from the right provider can be a complex and daunting task.

  • Without high value home insurance – individuals are likely to find themselves woefully underinsured and with a lot to lose.
  • With high value home insurance – you can be confident that the correct value of insurance cover has been provided.

Our Private Client team are on hand to guide you through each step of brokering home insurance quotes and negotiating a policy that is right for you, your family and your high value assets.

We appreciate that our clients are often time poor. Speak with our Private Client team and let them negotiate on your behalf. We have examples where we’ve assumed insurance for clients, put far superior cover in place and still saved them money – you will never pay over the odds with Flint.

Our specialist insurer panel comprises experienced high value insurers, some very well-known and other niche premium home underwriters only available via an expert insurance broker like Flint. Being able to choose from several providers means that we can recommend the very best cover and most cost-effective premiums.

Aurum logo Aviva Insurance Logo Chubb logo
Covea Insurance Logo Ecclesiastical logo Hiscox insurance logo Munich RE logo
Plum Underwriting logo Protect underwriting logo Zurich Insurance logo

Speak to our Private Clients team today

Call us today and speak directly with a member of our Private Clients team. They will take a few details, speak to you about your situation before seeking quotes from a range of insurers on your behalf. The same broker will assess the quotes before recommending a policy to you that strikes the balance of cover and affordability.

Request a callback

    Within our office hours, we endeavour to contact you within 15 minutes of your requested time.

    Contact us

    Call us on 0800 840 3156 and one of our team will be more than happy to help.

    Make a claim


    Customer Satisfaction

    Feefo logo

    Rated our service ‘extremely good’

    A dedicated team

    Flint Insurance is a trusted, experienced independent insurance broker. Our Private Clients team strives to provide a professional, confidential and personal service. They are dedicated to brokering the best possible insurance policies for our clients whilst maintaining the highest level of personal care.

    Select Flint Private Client insurance and benefit from:

    An expert broker – to research and advise on exactly the right cover for your high value home. We will ensure the home valuation, insurance selection and buying process is simple and hassle-free.

    A tailored service – to exactly meet your needs and valuations. Our service and insurance policies are tailored to you and your individual situation.

    A free service – we will interact on your behalf with a panel of market leading, highly established and secure industry leaders in insuring your high value homes and assets. All at no cost to you.

    A portfolio policy – a single ‘portfolio’ policy, with the same date for inception and renewal. You will see the financial and administrative benefits from consolidating your policies.

    Claims management – in the event of a claim, our concierge service is on hand 24 hours a day to assist you. We will manage the claims process on your behalf, negotiating directly with the insurer.

    Ongoing advice – throughout the life of your insurance. To ensure you are getting the most from your insurance, your dedicated client manager will continue to offer specialist advice on adjusting and maintaining the optimum cover for your home, contents, artwork and jewellery.

    There is no huge call centre or push to sell you a particular product, as you might experience by talking directly to some insurance companies. With Flint Private Clients, you deal with a dedicated insurance advisor who handles your risk and considers this against a wide range of options to find the best solution for you and your assets.

    Our team seeks to understand your unique high net worth needs and make reasoned recommendations for your insurance cover. Experts in our field, we work with trusted insurers, keeping up to date across the market to secure comprehensive cover at the best rates.

    Regulated by the Financial Conduct Authority (FCA), Flint Insurance is proud to represent your high value interests as our primary concern, finding you the best policy options and insurance quotes to suit your individual needs.

    There will never be a cost to you or your business for our expert services, and we are able to secure you the most favourable insurance rates, based on established partnerships with major insurance firms.

    Feefo Reviews

    A Portfolio Approach

    Flint Private Client offers a truly bespoke insurance contract that is built around your needs to incorporate such things as house, holiday homes (and their various contents), plus cars, boats and any other vehicles, often in a single policy.

    Where appropriate – and following a detailed analysis of your needs – our team will seek to put in place a single ‘portfolio’ policy, tailored to your requirements with one insurer, one renewal date and managed by a dedicated Client Manager.

    A Flint portfolio policy would typically include the following cover :

    • Worldwide cover for all your contents and possessions
    • Full accidental damage cover for buildings, contents, and fine art as standard
    • Cover for jewellery, watches, fine art, antiques, collectables, designer clothing, and high value accessories
    • Warranty free cover – no onerous security conditions and the like
    • Motor – single cars to family fleets including classic cars
    • Choice of repairer, like for like car replacement, agreed value
    • Annual travel cover with higher claim limits for more expensive trips
    • 24 hour home emergency cover
    • Legal expenses

    Our overarching aim is to build a long-term relationship with our clients. This puts us in the best position to arrange the widest possible cover, best suited to your needs at a price that is competitive.

    If you do need to claim

    In the unfortunate event that you need to make a claim on your insurance for high value homes, please call our Private Clients dedicated claims team immediately on 0208 309 3407.

    Please call us first – as your broker and advocate we want to help manage the claims process from the outset. Our Private Client team will negotiate the best possible claims settlement on your behalf.

    Need to claim?

    Speak to our claims team

    Choose department

    Questions you might have

    Why do I need a high value home insurance policy?

    Not all home insurance is the same. Larger properties, with higher sums insured, require bespoke cover to make sure the right protection is put in place.

    Standard household insurance will invariably have restrictive limits on valuable items. Standard home upper limits are inadequate for high net worth properties, so any loss would likely be underinsured.

    How do I calculate how much cover I need?

    When you buy insurance through Flint expert brokers, we talk you through how to calculate the correct contents sums insured and how to obtain an accurate buildings sum insured.

    Several of our high value insurers will also survey your property and set agreed sums insured for your insurance contract, thereby avoiding any chance of underinsurance.

    Do I need specialist insurance for my listed home?

    Yes. Listed properties are invariably expensive to repair and reinstate following a loss. The skilled tradesmen and the specialist materials required to sympathetically restore heritage and listed properties are expensive. You need an expert broker, with access to insurers who understand the needs of these types of older properties to make sure you are properly covered.

    Do I have to list all my possessions and valuables to be covered?

    Good quality high value insurers will automatically have higher limits on your high value items – often meaning that you don’t need to list absolutely everything. Part of our service is to discuss your required high value items and find the best policy for your needs.

    How often should I update my jewellery and fine art valuations?

    Most insurers recommend re-valuations every 3-5 years. Flint has agreements with a range of valuation experts and can secure good deals to help make this job easier. It is incredibly important to keep up with correct valuations, so that if the worst does happen – you get a true replacement value.

    How can I reduce my insurance costs?

    There are a number of options that we can discuss with you, such as increased claims excess; how home security might reduce your premiums, and the part of your premium that is associated with jewellery and watches.

    I am having building work done at my home do I need to tell my insurer?

    Yes. All household policies carry limits as to the amount of building work that is acceptable to them. Please speak to us so that we can provide you with the best advice.

    I am considering letting my home out, how will that affect my home insurance?

    ‘General’ household insurance would not provide cover for letting out a high value home. Speak with our Private Client team and we can discuss the specific risks involved, the policy inclusions required, and the best providers for your needs.

    My home will be left unoccupied for a period of time should I tell my insurer?

    Yes. All household insurance – including high value – policies carry specific limits on the amount of time that the property can be left unoccupied, but this does vary and can be as short as 21 days.

    However, high value home insurance is generally more flexible, with longer limits.

    Speak to the Private Client team about the best cover for your unique requirements.

    I own a number of properties can I have one insurance policy?

    Yes. Portfolio insurance policies allow for a mix of properties, e.g. family home, second home, holiday home and investment properties in one convenient insurance contract.

    Past experience has shown that insuring all your properties in one policy can often achieve better coverage and save money.

    All properties can be included from the outset; we will look at the financial implications for varying scenarios and advise accordingly.

    Please note: In many situations, there will be existing insurance policies in place. In these circumstances, we can pre-agree policy terms with the insurance provider and then move the properties into a single policy as the respective current cover expires.

    My insurance affairs are quite complicated can I meet someone?

    Yes. We are happy to meet face-to-face (or video call) so that we can spend time with you to accurately assess your insurance needs.

    I need advice about home security can an insurance broker help?

    Flint Private Clients work with a range of expert providers who can advise on all aspects of home security, including, but not limited to: alarms, CCTV, safes, etc.

    When you speak with us, mention your security needs or concerns and we’ll provide expert advice.

    How do I buy high value home insurance?

    In order to select an insurance policy and quote that is perfectly tailored to your needs, a member of our Private Client team will need to speak with you to answer a range of important questions about you, your property(s) and any further assets to be covered as part of the policy (high value cars, jewellery, artwork, boats, etc). We will assess your unique insurance needs and identify the key parts (and values) of the cover you require in your high value policy.

    You can contact us via telephone on 0800 840 3156 (9:00 am to 6:30 pm Monday to Thursday, and 9:00 am to 5:30 pm on Friday). Alternatively, fill out the form on this webpage and we will be pleased to call you back at a time that is convenient for you.

    Do you offer price matching for cheaper quotes?

    If you already have a quote from another premium home insurance provider, please share this with us and ask us for a competing quote. As an insurance broker, we are able to negotiate rates on your behalf from a wide panel of UK insurers, often at preferable rates. We will endeavour to find you the same policy cover for a lower price.

    I have made a number of insurance claims - can I still obtain high quality cover?

    We have access to a wide range of insurers, including some who do not deal directly with the public, but only via an insurance broker. This includes insurers who specialise in more difficult to place risks, such as those with a high claims frequency. Speak to us, we can often allay your fears!

    How long are the insurance quotes valid for?

    The majority of insurance quotes from Flint are valid for 30 days. However, the validity period can vary across both insurers and the quotes provided. We will confirm the validity period when we provide you with a quote. If you do not take up the quote within the validity period, a reassessment of your insurance needs will need to be carried out and a new quote established. This may differ from the original, depending on changes within the insurance market.

    When will the cover start?

    Once the Private Client team has spoken with you and researched the best household insurance quotes for your property(s), we will move quickly to confirm the insurance cover options. When we have mutually agreed on the best policy for you, we will action the policy with the insurance firm and confirm the cover with you. Once we provide you with the confirmation, you will have immediate insurance cover.

    Who do I call if I need to make a claim?

    In the event that you need to make a claim on your insurance and so that we can help you as quickly as possible, please call your Flint Insurance Private Clients dedicated claims team immediately on 0208 309 3407.

    Please call us first. As your broker and advocate, we want to help manage the claims process from the outset.

    A claim usually means there’s a problem and we know that how this is dealt with has a huge impact on the success of your insurance.

    We work closely with our chosen high value insurers and other claims professionals, such as loss adjusters to ensure that the whole process works as smoothly as possible, supported at every stage by your Flint Private Clients account handler.

    For Private Clients claims call: 0208 309 3407

    Flint Insurance office hours:
    Monday – Thursday – 9 am – 7 pm
    Friday – 9 am – 5.30 pm
    Saturday – 9 am – 12.30 pm

    Outside of normal office hours your chosen insurer will have a 24-hour claims reporting hotline – refer to your policy documentation for these details. All of our insurers operate a 24/7 365 days per year claims helpline.

    Call us on 0800 840 3156

    9:00am to 6:30pm
    Mon – Thurs
    9:00am to 5:30pm