Mid & High Net Worth Home Insurance

What Your Policy Can Include

We work with leading insurers to protect your buildings, including the main residence, outbuildings, garages, swimming pools, and landscaped gardens. Your high-value contents can be insured on an agreed or blanket basis, with suitable single-item limits and simple processes for adding new purchases.

Fine art, jewellery, watches, and antiques can be scheduled with appropriate security conditions, so they are protected at home and when temporarily elsewhere. Personal possessions cover can extend to items you carry daily, and we can include worldwide protection for when you travel, as well as legal expenses for support with relevant disputes. If you own multiple properties, we can bring second homes and UK holiday homes into one well-coordinated programme.

Lifestyle & Travel Protection

Your lifestyle does not stop at your front door, and neither should your insurance. We design cover that follows you, protecting valuables and essentials when you are out and about, staying in a hotel, or moving between homes. Frequent travellers can benefit from worldwide terms that simplify protection for jewellery, watches, and personal tech during trips.

Confidence In Your Cover

Getting the sums insured right matters. We work with RICS-qualified partners via RebuildCostASSESSMENT to provide desktop rebuild valuations. Too many homes are underinsured, which can result in reduced or declined claims. A professional valuation gives certainty and helps ensure your buildings are covered for a full rebuild, including fees and site clearance.

Security That Satisfies

Higher-value homes attract higher security expectations. We can recommend trusted providers for modern systems, including wireless alarms, CCTV, security lighting, and smart technology that integrates with how you use the property. For valuables, the right safe is critical. We will guide you on industry standard cash and valuables ratings, aligning storage with insurer requirements so you retain favourable terms and avoid unwelcome surprises at the claim stage.

Valuations For Contents & Collections

It can be difficult to know what your contents and fine art are truly worth. We can connect you with specialists who produce comprehensive inventories and valuations. Up-to-date schedules make it easier to set the right limits, prove ownership, and streamline any future claim, especially for appreciating pieces and evolving collections.

How We Work With You

Our service goes beyond placing a policy. You will have a Personal Account Manager who understands your properties, your risk profile, and your preferences. We work closely with specialist underwriters who recognise unique risks, from listed buildings to one-off renovations. If you need to claim, we coordinate the process to keep it as straightforward and hassle-free as possible, liaising with loss adjusters and approved suppliers on your behalf.

Built To Adapt

Life changes, and good cover adapts. We make it simple to adjust limits, add new purchases, include a second home, or reflect a refurbishment. Regular reviews keep your policy aligned with your current position, so protection remains both robust and efficient.

Trusted Across The South East

Professionals, families, and private clients choose Java Insurance Brokers for expertise, discretion, and peace of mind. They value thoughtful cover, clear communication, and a proactive approach that anticipates change rather than reacting to it.

Ready To Talk?

If you would like to explore a tailored solution for your home and the things that matter most, we would be pleased to help. We will take the time to understand your needs, review any existing arrangements, and design a policy that provides confidence today and room to grow tomorrow.

Call us today

01435 583 584

or complete our enquiry form