High Net Worth Home Insurance - Specialist Personal Cover

Home Insurance for the property and the life you have created, not the one on a standard form.

High Net Worth Home Insurance - Specialist Personal Cover

Home Insurance for the property and the life you have created, not the one on a standard form.

For years, our team have provided home insurance for all types of property and different types of clients.


Where we differ, is that we will make sure you have the right cover for you, unlike many online comparison websites.


We have access to all of the UK leading insurers, allowing us to advise you on the different types of cover available to you, at the best prices. We’re also on hand to help at any stage throughout the duration of your policy should you have any general queries or require assistance with a claim.

A high-value home is rarely a standard risk. The building itself may be listed, architecturally

distinctive or require specialist reinstatement expertise. The contents may include fine art,

antiques, jewellery, wine or collections that a standard home insurance policy was not designed

to cover adequately.


Haxon works with a carefully selected group of specialist high net worth underwriters to arrange

personal insurance cover that reflects the full breadth of what our clients own. Discreet,

individually arranged and reviewed with genuine care at each renewal.




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Standard home insurance policies are designed for standard homes.


The home insurance products sold through comparison sites and high-street banks are built around the needs of the average policyholder. They set standard single article limits, standard contents sums insured and standard buildings cover that may not reflect either the reinstatement requirements of a high-value property or the value of what it contains.


For clients with high-value homes, significant collections or substantial personal assets, these limitations create real gaps in protection. A jewellery collection insured under an all-risks extension with a £5,000 single item limit. A fine art collection that has never been formally valued and is covered at a sum that bears no relation to current market prices. A listed building covered at a reinstatement value set five years ago, before specialist building costs increased substantially.


High net worth home insurance, arranged by a specialist broker through specialist underwriters,

addresses each of these issues individually. Cover is structured around what each client actually

owns, at values that genuinely reflect replacement or reinstatement, with policy terms that are

appropriate for a discerning client rather than an average one.



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Comprehensive specialist cover for high-value homes and everything within them.

Full reinstatement cover for high-value properties including period homes, listed buildings, architecturally significant residences and large country houses. Reinstatement values assessed with specialist surveyors where the complexity of the building warrants it.

Comprehensive contents cover structured around the specific contents of your home, with individual item scheduling for significant pieces rather than reliance on blanket all-risks limits.

Cover for fine art, antiques, ceramics, sculpture and other decorative arts on an agreed value basis, ensuring that in the event of a claim, settlement reflects current market value rather than a depreciated assessment.

Cover for jewellery, watches and personal items of significant value, both in the home and away from it, worldwide, without the restrictive geographic limitations that apply to many standard policies.

Specialist cover for wine collections, classic cars, vintage motorcycles, rare books and other specialist collections, arranged through underwriters who understand the market.

Substantial personal and family liability cover, including employer’s liability for domestic staff, at limits appropriate for a high net worth individual and their family.

Cover for alternative accommodation in the event of a major claim, at a level sufficient to maintain the standard of living your home currently provides.

Extension of cover to second homes, holiday residences and properties abroad, arranged as part of a single coherent personal insurance programme.

A conversation, in complete confidence.


If you are reviewing your home insurance or have recently acquired a property, a collection or personal assets that your existing cover was not designed for, we would welcome a discreet conversation about what you have and what you need.



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