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High-value home insurance

When your home is your castle, it makes sense to protect it like one

Young family walking into home

Get premium home insurance cover from our hand-picked panel of providers - designed for homes worth £500,000 or more, or with at least £100,000 in contents.

  • Home emergency assistance and alternative accommodation included
  • Worldwide contents cover, including accidental damage
  • Free home appraisal service to ensure you have the right level of cover
  • Eligible Wesleyan members receive 20% off the cost of their premium*

On this page

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We go beyond bricks and mortar

If you own a high-value home or have high-value items, standard home insurance policies may not provide the right level of cover for your needs.

That’s why Wesleyan Financial Services provides advice to assess the real value of your property and possessions. So, you can rest easy knowing you’re not underinsured should the worst happen.

Once we’ve helped you assess your needs, we’ll match you to the right insurer for you from our panel of premium insurers. And if you ever need to make a claim, our 24-hour UK helpline is on hand.

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. This can also include damage to the garden and other outdoor areas.

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.

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.

What our customers say

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Already a Wesleyan member? Save 20% on insurance

If you’re a Wesleyan member, you can enjoy a 20% discount on your high-value home insurance policy.

*See eligibility criteria and terms and conditions.

Important information

Things to know before you apply

Limits and exclusions do apply. 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.

Key documents

Terms of Business (PDF 287KB)

A list of companies and products we offer (PDF, 108KB)

Get a quote for your high-value home today

Ready to insure your home? Get a quote below or call us for free on 0808 239 0218.

Frequently asked questions

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.
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.
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.
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.

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.

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).
Any claims you need to make can be made directly through your policy provider. However, we are always available and happy to help if you need any assistance.

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Get a high-value home insurance quote

Complete the short form below and a member of the insurance team will call you to discuss your quote as soon as possible.*

Already have a high-value home insurance policy with us? Existing customers should contact us here.

* Opening hours are Monday to Friday 9am-5pm.

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