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High Net Worth Home & Contents Insurance

Protect your home and treasured possessions with bespoke High Net Worth Home and Contents Insurance.

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As a well-established firm of chartered insurance brokers, Adler Fairways provides expertise regarding all aspects of high-value home and contents insurance.  This would be suitable for unique, unusual, large and listed properties, and can also include specific cover for holiday and overseas homes and travel.

Personalised protection for high-value homes and lifestyles

Your high-value property and treasured possessions require more than the ordinary attention of most brokers. You will receive a personalised service that caters for your precise needs with professionalism, expertise and discretion.

If you own or have recently purchased high-value items such as jewellery, fine art, a prized musical instrument or expensive antiques, we can advise you on bespoke cover to protect your assets, both now and in the future.

Should you make further purchases or investments, we will take this into consideration and ensure your policy evolves to meet your changing needs. We take pride in the sensitivity and attention to detail with which we handle your cover, and we aim to build a personal and long-standing relationship with you.

High Net Worth Home & Contents Insurance policy features*

Examples of items we can cover include:

  • Fine art
  • Prestige and classic cars
  • Jewellery
  • Musical instruments and equipment
  • Buildings (including grounds and outbuildings, such as stables)
  • Antiques and collectables
  • Holiday homes and overseas properties
  • Personal protection cover, for kidnap and ransom or car-jacking.

We may not be able to provide cover if:

  • You require cover for jewellery as a stand-alone item. This must be covered either as part of our home contents or home contents and buildings cover
  • Your property has a history of flooding or flood damage
  • Your property has a history of subsidence
  • Your previous insurance cover has been declined, cancelled or voided.

    FAQs

    Can Adler Fairways insure high-value cars as well as classic cars?

    Yes. As a specialist broker, we can provide cover for those who own classic, sports, prestige or other high-value cars. You can find more information on our Classic, Sports, Prestige & High Value Cars Insurance page.

    Will I need to update my policy if I buy new high-value items?

    If you buy a new high-value item, it’s important to let us know so that we can ensure that your policy is still adequate to cover your needs.

    After any new high-value purchases, please get in touch so that we can review your policy, update valuations where necessary, and make sure that new items are protected appropriately.

    How much is High Net Worth Home & Contents Insurance?

    Every home and its contents are different, which is why our High Net Worth Home & Contents Insurance is tailored to meet your specific needs.

    This means that the cost depends on several things such as the value of your property and contents, the level of cover you choose, and your previous claims history.

    Our specialist team will be happy to advise you on the appropriate level of cover based on your requirements.

    *This information is a general guide only.  Adler Fairways will assess your requirements and recommend a bespoke range of insurance solutions to meet your needs.  As part of the quotation process, we will provide full details of the specific coverage, benefits, limits, premiums, exclusions, excesses payable, and any other policy conditions that would apply to the insurance we recommend for you.  We currently only offer cover to businesses registered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

    Words from our clients…

    Shannonside Civil Engineering Ltd

    "Over the last eight years we have continued to renew our cover through Adler Fairways, we consider them a partner of our wider business on the growth trajectory to being a 100 million pound business. Having guided us from a small start up to where we are today, their guidance and level of experience have been invaluable in ensuring we are covered in all aspects of our liabilities. This has allowed us to focus on growth and margins. Thank you Adler Fairways as we move forward together into the future." Shannonside Civil Engineering

    John Hall, Director, West Midlands Fasteners

    "Adler Fairways have taken care of our insurance needs for many years, during which time we have built a strong relationship. We have come to depend on their expertise and know we can always rely on them." West Midlands Fasteners

    Faisal Ravat, Managing Director, E&S Motors Ltd

    "We transferred our insurance to Adler Fairways Insurance Brokers in 2023, when they offered us a much more complete and competitive premium than our current brokers. The team took the time to understand our business and future needs; we have continued to receive excellent service from them, and have been impressed with their care, and attention to detail. What is key for our business is the advice that is given when needed, and the robust claims management internally which has helped manage our premiums for a traditionally difficult to insure niche sector of the motor trade." E&S Motors

    Frank Ryan, Director, Reirse Ryan Ltd

    "We have been with Adler Fairways for a number of years now and remain with them for the personal service we receive together with commercially competitive premiums and the knowledge that when a claim does arise, professional assistance is always to hand." Reirce Ryan

    Gerald Doble, Director, G A Doble

    "The Adler Fairways team has looked after our insurance portfolio for several years now and have provided excellent service throughout. Our annual renewal reviews are always conducted in good time ahead of renewal with all our questions answered and we are extremely impressed with the renewal proposals received. Prior to moving our business to Adler Fairways, we had not received a proper review for several years. The team were instrumental in making sure our insurance was arranged on the correct basis and have also been able to save us money on our premiums over the years. It is clear that they have our best interests at heart, both from an insurance cover and premium perspective. Whenever we have a query or need to make a change to our policies, it is dealt with efficiently and professionally. We can’t fault them on their reliability and excellent personal service".

    John Dyke, Central Scaffold Walsall Ltd

    "As a scaffold company operating within the construction industry, it is crucial for us to have a reliable and experienced insurance broker by our side. Adler Fairways has been a trusted partner to us for over 15 years and we couldn’t be more satisfied with their exceptional service. From the beginning, they demonstrated a deep understanding of the unique risks we face as a scaffold business and worked with us to ensure we’re always fully protected onsite. We have peace of mind in their ability to source comprehensive, industry-specific coverage at competitive rates which is a huge benefit to our operations. The fact that Adler Fairways is a Chartered insurance brokerage also demonstrates their ongoing commitment within their profession." Central Scaffold Walsall