Owning luxury assets such as fine art, jewellery, yachts, or a high-value home brings unique risks. High net worth insurance offers peace of mind by helping to protect the lifestyle and possessions you’ve worked hard to build.
We provide tailored insurance solutions designed specifically for high-net-worth individuals. At Callaways, we understand that you may be busy and insurance is the last thing you wish to be dealing with – that’s why individuals leave their insurance to us, the professionals.
Standard home and contents insurance and motor insurance may not cover your valuable assets. When was the last time your policy was reviewed by an insurance broker who specialise in High Net Worth Insurance? You may be underinsured if you have a standard home or motor insurance.
What Can be Included in a High Net Worth Insurance Policy?
Buildings Insurance for Luxury Homes
Your home isn’t just a building—it’s an investment. Buildings cover is protection towards your main residence and associated properties such as:
- Guesthouses and outbuildings
- Swimming pools and tennis courts
- Garages and security installations
Unlike standard policies, some cover is typically offered on an “all risks” basis, providing broader protection for your estate. However, exclusions such as frost damage or pet-related incidents may apply, it’s best to check your policy wording as this may be different between insurers.
Insurance for Fine Art, Jewellery & Collectibles
Items like rare watches, jewellery, art, and collectibles often require their own protection. Valuables cover can be standalone or an extension of your contents policy.
- Cover for newly acquired items
- Protection for pairs and sets
- Increased cover after an artist’s death
Common exclusions include deterioration, transit losses, or damage from modifications. We can help you document and insure your assets accurately.
What else could be covered in a High Net Worth Insurance Policy?
Your lifestyle may include assets beyond your home and a high net worth insurance policy could also cover:
- Yachts and small craft
- Caravans and motorhomes
- Overseas properties
- Private Clients
If you’re not sure what can be covered or if you have any questions, our team of specialists are on hand to help and answer any questions that you may have.
Our team are highly knowledgeable with years of experience with High Net Worth Insurance. As a director or owner of a business or someone with a busier lifestyle, insurance can be a time consuming task for you. That’s why we will do all the hard work for you and find a policy from our panel of insurers that meet your needs.
In the event that you need to make a claim, we will be with you every step of the way and speak to insurers on your behalf and keep you updated throughout the process.
Travel Insurance for High Net Worth Individuals
Your belongings travel with you—so should your insurance. Our high net worth contents cover helps protect your personal property anywhere in the world, ideal for Frequent travellers, individuals with multiple residences and those who have personal belongings in storage or transit.
Contents cover may also include alternative accommodation, home office equipment, and guests’ effects.
Included in many high net worth policies, worldwide travel can provide financial cover towards trip cancellations or delays, emergency medical expenses abroad and lost or delayed luggage.
Exclusions may apply to pre-existing conditions, age limits, and high-risk activities.
Get in touch about a High Net Worth Insurance Quote Today
Complete our enquiry form and a member of our team will be in touch as soon as possible.