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What is High Net Worth Home Insurance?

High Net Worth (HNW) insurance is designed for individuals with valuable properties, possessions, and lifestyles that exceed the limits of standard home insurance policies. Whether you own a listed building, a bespoke new build, or a London townhouse, our policies are customised to reflect the true value of your assets.
 
When your home is more than just a place to live, it deserves more than just a standard policy. Our High Net Worth Home Insurance is designed for luxury properties, high-value contents, and homeowners who require a more tailored, discreet, and comprehensive level of cover.
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Premium Homes
High End

Who is it for?

You may benefit from a High Net Worth Home Insurance policy if you:
  •  Own a home valued over £750,000
  • Have contents worth more than £100,000
  • Own fine art, antiques, jewellery, or collectibles
  • Have multiple properties, including holiday homes
  • Require worldwide cover for possessions
  • Prefer high excess limits or flexible terms
  • Need access to specialist restorers, architects, or claims handlers
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What does it cover?

Your policy can be tailored to include:

Buildings cover

For main residences, second homes, outbuildings, pools, and grounds

Worldwide contents cover

Protects valuable possessions wherever you are

Fine art, antiques & collections

Agreed value cover with optional valuations

Jewellery & watches –

High single-item limits and theft cover without safes

Home emergency cover

24/7 assistance for urgent issues

Alternative accommodation

Should your home become uninhabitable

Cyber protection

Cover for smart home tech or personal data breaches

Family legal expenses

Support for legal disputes

Travel & second home integration

Optional cover under one unified policy

Why choose Crowthorne for High Net Worth Insurance?

  • Dedicated, discreet service with a personal account handler
  • Access to specialist underwriters and insurers
  • Ability to insure complex properties and contents others decline
  • Regular policy reviews to reflect changes in value or lifestyle
  • Fast-track claims handling with experienced professionals
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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
Independent Insurance Broker

Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.

Testimonials

What Our Clients Say

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“I wanted cover that matched the standard of my home—and Crowthorne delivered.” From fine art to custom furnishings, I didn’t want to risk gaps in cover. Crowthorne took time to understand my lifestyle and offered a policy that gave me total peace of mind.
Client
“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
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