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Our high value home insurance is brimming with features to protect those items that you hold dear

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We’re an experienced specialist insurance broker with 50 years behind us. Let's see if we can help.

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Thanks to many happy customers we’re Feefo Platinum Trusted Service Award winners!

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Key features of Lifesure’s high value home insurance policy

Worldwide Personal Possessions Insurance

Worldwide personal possessions cover

Building Insurance Cover

Buildings cover from £1m

Alternative Accommodation Insurance

Alternative accommodation cover

Contents Cover

Contents cover from £75,000

Insurance For High Value Items

Specifically insure high value items in your home

Garden Contents Damage Cover

Cover for damage to the contents of your garden

Why choose Lifesure for high value home insurance?

We’ve been arranging high value home insurance for more than 15 years, so we know a thing or two about what should be in your policy.

Many of our customers tell us our high value home insurance offers everything they need, at a price that fits their budget and our excellent customer service is just what they were looking for. In fact, we’re proud to say that we’ve received the Feefo Platinum Trusted Service Award for the fourth year running!

Our award-winning team of agents are always happy to help and can be contacted on 01480 402 460 to provide a new quotation or assist with any changes to an existing policy. And we also offer MyLifesure, an online customer portal providing instant access to your policy details and documents. From here you can send us secure messages and update your details. It’s a simple tool that makes a huge difference to our customers.

Support with claims
If you should need to make a claim on your policy, our insurer partners have dedicated claims teams who are there to assist you throughout the claims process. We know that making a claim can be a stressful time, so if you need further support, our Customer Care Champion is there to help, for additional peace of mind.

Optional extras
We offer policy enhancements for your additional peace of mind, allowing you to build cover that’s right for your needs.

What does Lifesure’s high value home insurance include?

Take a look at how we could protect your high value home and contents with our handy summary below. Remember that no policy protects you against every scenario and it’s always best to read your policy documents to understand the conditions and exclusions that apply.

What's covered

  • Automatic worldwide possessions protection
  • We can arrange to specifically insure items in your home of particularly high value
  • Cover for damage to the contents of your garden, such as furniture, sheds and hot tubs (subject to cover limits)
  • Automatic increase in cover to the value of any item of fine art, antiques or collectables should the artist die during the period of insurance
  • Alternative accommodation for the members of your household, including pets, should you be unable to live in your home following a claim
  • Concerned about identify theft? Worried about your legal liability to domestic employees? Talk to us. We can tailor policies to suit you and your lifestyle

What's not covered

  • Limitations and exclusions can apply if you’re away from home for long periods of time, so make sure you tell us if you’re taking an extended trip
  • Values exceeding the sums insured
  • Claims for individual items above our standard limits, unless agreed with the insurer when you took out the policy
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Home emergency Up to £500 to pay for emergency repairs following certain incidents in your home
  • Home excess protection We will reimburse you for the excess on your home insurance policy following a claim on your home insurance, up to the level of cover you choose
  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Family legal Up to £50,000 for professional fees if you need to take legal action following certain insured events

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Full high value home policy information

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Family legal expenses insurance (renewal on/after 01.01.24)
PDF 200.32 KB
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Family legal expenses insurance (renewal on/before 31.12.23)
PDF 148.58 KB
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Home emergency insurance (renewal on/after 01.01.24)
PDF 501.7 KB
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Home emergency insurance (renewal on/before 31.12.23)
PDF 424.09 KB
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Home excess reimbursement insurance (renewal on/after 01.01.24)
PDF 577.92 KB
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Home excess reimbursement insurance (renewal on/before 31.12.23)
PDF 385.97 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 317 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.18 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, debit card, credit card, BACS or bank transfer.

Spreading the cost of your insurance can help make the cost more manageable, which is why we partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

Ways to pay

Find other insurances

Did you know that we offer a whole host of everyday and leisure insurances, all under one roof? From travel insurance and car insurance to breakdown cover, we’ve brought together a collection of feature packed policies, so shopping around for what you need is that little bit easier.

Our experienced agents will be able to talk to you about all of your policies in one conversation, so you can spend your time doing more of the things you really enjoy! Take a look at the other insurance covers we can provide.

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