High Net Worth Insurance
High Net Worth
High Net Worth Insurance provides risk managed insurance cover for individuals and businesses with significant assets requiring tailored insurance needs. High Net Worth insurance offers higher cover limits and tailored policies to protect high-value properties, luxury items, and other high value assets.
Insurance typically includes coverage for high-end homes, fine art collections, jewellery, yachts, vintage cars, and personal liability. With our personalised service and customised solutions, our cover ensures that high-net-worth individuals receive risk managed comprehensive protection and therefore, peace of mind.
Do I need High Net Worth Insurance?
Standard policies will generally meet the needs of most clients however, if you are a high net worth individual these policies would fail to cover your valued assets. Standard policies will have limits and exclusions that restrict the amount of cover for your high value assets.
Our products are tailored to your unique risks and therefore are not an “off the shelf” mass marketed solution.
Typical Covers for High Net Worth Insurance
By working alongside our specialist brokers and “A” rated underwriters, we offer tailored insurance coves that meets your specific requirements and safeguards you against unexpected risks. Typical covers protect (but not limited to):
- A combination of comprehensive covers for your main home, second homes, holiday homes, high performance cars, classic vehicles, family fleets.
- Comprehensive covers for properties, contents, fine art, antiques, collectables, precious metals, jewellery & watches.
- Comprehensive covers for many luxury items such as yachts and motorboats etc.
Why Choose Konsileo
At Konsileo, we are proud to have a specialist High Net Worth brokers who offer a complete risk manged solution for your high net worth assets. Our access to a multitude of markets and products means that we can tailor policies for each individual high net worth client.
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Frequently Asked Questions
High net worth insurance is specialist cover designed for individuals with high-value homes, valuable possessions, and more complex insurance needs. It provides broader protection than standard insurance policies and can include higher cover limits, bespoke policies, and enhanced claims support.
High net worth insurance is suitable for homeowners with high-value properties, valuable jewellery, fine art, antiques, watches, classic cars, or other luxury assets. It is also ideal for individuals who require comprehensive cover for multiple properties or worldwide personal possessions.
High net worth insurance can include cover for luxury homes, contents, jewellery, fine art, antiques, collectibles, personal possessions, outbuildings, and liability protection. Many policies also provide worldwide cover for valuables, home emergency assistance, and access to specialist claims services.
Unlike standard home insurance, high net worth insurance is designed to protect higher-value properties and possessions. Policies often offer higher single-item limits, agreed valuations, worldwide cover, flexible policy options, and a more personalised claims service to meet complex insurance requirements.
The cost of high net worth insurance depends on factors such as the value of your property, the total value of your possessions, your location, security measures, claims history, and the level of cover you choose. A tailored policy ensures you receive protection that reflects your individual circumstances.
When choosing high net worth insurance, consider the value of your home, valuables, lifestyle, and any specialist cover you may need, such as worldwide possessions, fine art, or multiple properties. Speak with a member of the Konsileo High Net Worth team who can help you find a policy tailored to your specific requirements.