High-value home insurance

Unique home cover from the inside out

Why take out high-value home insurance through Wesleyan?

When your home is your castle, it makes sense to protect it like one. With high value home insurance through Wesleyan Financial Services, you can insure your home worth over £500,000 and contents worth more than £75,000. Get bespoke cover to protect you at home and away, with alternative accommodation and accidental damage included for your peace of mind.

  • Worldwide cover including accidental damage
  • Get Total Home Protection as standard (full details below)
  • Wesleyan Selected Panel of premium home insurance providers
  • 24-hour UK helpline

How it works

When you own a high-value home, standard insurance policies often aren’t enough to cover the value of both your property and contents. That’s why we work with a handpicked panel of premium home insurance providers to give additional cover and higher limits for luxury homes that need it the most.

If you’re looking to insure your home but aren’t sure of its value, contact one of our experienced insurance specialists. They can give you a free home appraisal and assess the real value of your possessions, to make sure you get the right level of insurance cover for your needs.

Once we’ve completed a fact find and assessed all your needs, we’ll match you to the right insurer for you.

Wesleyan Financial Services Limited is a broker and its insurance products are provided by a number of selected insurers.

What’s covered?

Worldwide cover

For your staycations and your vacations. You can take your belongings overseas safe in the knowledge that they’re covered for loss, damage or theft.

Automatic cover on new purchases

Treating yourself to something new? It’ll be covered automatically for up to 60 days before you need to tell us (subject to a maximum value, dependent on insurer).

Cover for collectables

Whatever you like to collect – be it art, antiques, clothes or jewellery – high-value home insurance will protect the possessions you value most.

Alternative accommodation

If your home is left uninhabitable by an insured event, alternative accommodation will be provided for yourself, your family, and your pets.

Matching pairs and sets

If you damage an item that’s part of a pair or set (earrings, for example) and a replacement can’t be found, the entire set will be replaced or compensated for.

Accidental damage

In a high-value home, even the smallest of accidents can be costly. Whether it’s wine on your carpet or a broken vase, you’ll be covered for the damages.

Trace and access cover

With trace and access cover, you’re not just covered for the cost of repairing a water or oil leak, but also any damage caused when tracing the source of the leak.

What’s not covered?

Subsidence to the grounds of your home

Driveways, terraces, swimming pools and tennis courts typically aren’t covered for subsidence unless your home is damaged at the same time by the same cause.

External trace and access cover

Trace and access cover is typically only covered within the house. Damage to the garden and other outdoor areas may not be covered.

What’s Total Home Protection?

At Wesleyan, we want to give you peace of mind that your home is always protected. That’s why we add our Total Home Protection to every insurance policy as standard, meaning you’ll get:

Home emergency assistance

Our network of registered tradespeople is on-hand 24/7 to fix your domestic crises like a burst pipe or heating breakdown.

Pest removal cover

Unwelcome guests? We’ll cover the cost of removing a pest infestation.

Family legal expenses

We’ll protect you against disputes such as employment issues and neighbour problems up to a limit of £50,000.

Key cover

Misplaced a key or have a broken lock? We’ll cover it to save you paying an excess or losing your no claims bonus.

ID theft

There’s only one ‘you’, so let’s keep it that way. If your identity is stolen, we’ll create a personal action plan to get it back.

Frequently asked questions

  • Do I need high-value home insurance?
    If your home is worth more than £500,000 or you have contents worth £75,000, you might be underinsured on a regular home policy. Often, people don’t realise just how much their possessions are worth until it’s too late. If you’re at all unsure, talk to us today – your insurance specialist will be happy to help you value your contents to make sure you’re properly covered.
  • Why use a broker?
    Insurance is complicated and buying the incorrect policy can be costly. At Wesleyan Financial Services, it’s our aim to take the hard work out of finding the right policy for you and your home. Rather than getting quotes from multiple insurance providers, you can just speak to us and let our team invest their time on your behalf to make sure you’re fully protected.
  • I've claimed on other home insurance policies in the past - can you cover me?
    We work with several insurance providers and even have our own specialist department, so it will depend on their terms and on the claims you’ve previously made. We’re happy to invest our time into finding the best option for you, so the best next step is to speak to our team and discuss your circumstances.
  • I'm looking to build an extension on my house - does this matter?
    Yes it does. We’d recommend you get in touch with us before you sign any contracts with your contractor/builder, so we can discuss what the insurers will need to know to keep your home insured correctly.
  • When would my cover start?
    It can start as soon as you take out the policy. Or, if you have a specific date in mind (perhaps you’re about to move to a new home), we can schedule the policy to start at any point within 30 days.
  • How do I pay my premiums?

    You can pay for your high-value home insurance annually or monthly, to suit you. Just ask what your monthly premiums would be.

    Wesleyan Financial Services Limited is a credit broker and where the monthly payment option is taken we will introduce you to Premium Credit Limited, who pay variable commission to us which could impact the interest rate you pay, now or in the future.

  • Will there be an excess on my policy?
    Yes, like most insurance policies, there is an excess to pay in the event of a claim. However, you can choose what you’d like the excess to be, and we also offer Excess Protect cover which allows you to claim your excess back (limits apply).
  • What is the claims procedure?
    Any claims you need to be make can be made directly through your policy provider. However, we are always available and happy to help if you need any assistance.

Important information

Limits and exclusions do apply.

For full terms and conditions of the policy and cover, including the policy benefits and exclusions will be contained in the Policy Wording and Policy Summary (available at the time of receiving a quote).

Risk must be acceptable to underwriters at normal term.