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High-Value Home Insurance

The biggest investment you make in your life is into building your home. Those who have a luxury lifestyle leave no stone unturned in building the house and making it as luxurious as possible. For houses like these, general home insurance policies are not enough and that is where high-value home insurance policy steps in.

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High-Value Home Insurance

High-value home insurance refers to the insurance policy that provides comprehensive coverage to property or a house that has a higher value than any normal house. It provides coverage for both structure and the content of the house.

For instance, a house with over 10 bedrooms, living area, in-house theatre, pool, lawn, along with expensive art pieces, etc. Now If a natural disaster hits this kind of home and damages the structure of the building along with the contents, a normal home insurance policy would not be enough to get coverage for all the damage.

Hence, insurance companies have come up with an insurance policy named high-value home insurance policythat provides coverage to your lavish house along with the valuable content.

Comes With Several Features

High-value home insurance comes with several features and benefits to make sure that the customers get the best experience possible. Here are some of those high-end features of this insurance policy.

  • With this policy, the insured gets extended coverage for precious items such as valuable artwork, etc.
  • It provides coverage for identity theft and many insurers have started providing this cover.
  • Quick customer service, 24-hour claim assistance along with immediate access to the experts to get any kind of query resolved.
  • The policyholder gets exclusive access to the legal advisors, surveyors, furniture restorers, etc.
  • In case of an immediate house emergency, the insurer gets home emergency cover.

Why Should One Purchase High-Value Home Insurance

High-value home insurance is meant for the people who live in a lavish houses. Since normal home insurance cannot cover all the expensive things and the house, this insurance policy is designed to fit the unique requirements of the buyer. Covering your house and content brings you peace of mind as it works as a financial backup in case anything gets damaged or stolen.

Better Dwelling Coverage Than Standard Policy

A standard home insurance policy pays for the damage caused to your house and its content for a limited amount specified in your policy documents. However, high value insurance policy will go beyond the coverage provided by a standard plan.

A high-value plan will offer extended coverage for the dwelling and will provide compensation for your home repairing more than the specified amount in your policy if required. There is an option of “Cash out” in this policy. If your house has been destroyed completely then the insurance company will provide coverage to build your house elsewhere.


It is suggested by the insurance experts to purchase a high-value home insurance policy to protect your luxury house. Also, purchasing the insurance policy online is better and easier than purchasing it offline as you get to learn every single detail related to your policy and you can calculate the insurance premium amount using ahome insuranceonline premium calculatortool.

Written By: PolicyBazaar - Updated: 14 March 2022
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Reviews & Ratings

4.4 / 5 (Based on 120 Reviews)
(Showing Newest 10 reviews)
Bokaro, July 26, 2022
Coverage for natural calamity
I was looking for an insurance policy that provides me coverage for natural calamity. Since my house is located near a river and it floods my area in the rainy season. So i went on the Policybazaar website and particularly look for this coverage found the exact plan that provides this coverage.
Bilaspur, July 26, 2022
Premium Calculation
I was looking for a home insurance policy online. I stumblled upon the Policybazaar website and it is one of the best online platforms to purchase home insurance policy. I learned about the insurance plan i wanted to purchase and after choosing the plan and add ons i could calculate the premium using their online premium calculator. Thanks Policybazaar.
Bikaner, July 26, 2022
Natural Calamity cover
I have recently purchased a flat and wanted to cover it with a home insurance policy. I was aware of the Policybazaar website so i thought i should give it a try. I went on their website and as i wanted to cover my flat with a natural calamity cover specifically i searched for it and without wasting a minute it showed me the natural calamity coverage.
Amritsar, July 26, 2022
Enough coverage
I was looking for a home insurance plan online. I was fed up as i have to visit different websites to look for a single suitable insurance plan. However, i stumbbled upon Policybazaar website where i was able to find the right insurance plan that could provide me enough coverage.
Bareilly, July 26, 2022
Nice customer service
I wanted to purchase a home insurance policy and a friend of mine suggested to purchase it from Policybazaar. I bought the policy and after that i had a confusion regarding exclusions so i called up Policybazaar customer care and they cleared out the confusion and i loved their customer service.
Ajmer, July 26, 2022
Qiuck claim
I purchased a home insurance policy recently. However, due to a natural calamity, my house was damaged as the pressure of the water because of flood broke the enterance door of my house. But the insurance plan that i bought got me covered and i as able to get the quickest claim possible.
Delhi, July 26, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension free now.
Kolkata, July 26, 2022
Wide coverage
The home insurance plan that i purchased from policybazaar's website is a great plan that provides me coverage for not only the structure but also cover several expensive content of the home such as paintings, mobile phones, laptops, television, etc.
Ahmedabad, July 26, 2022
Suitable insurance plan
I purchased the group health insurance policy from Policybazaar website. First of all, i did not have to wander much online while lookig for a home insurance plan that fits my requirement and i found the suitbale home insurance plan by comparing different plans on the website.
Amritsar, June 09, 2022
Natural calamities covered
I bought a home insurance policy recently. As i live near a river and in the rainy season, my area gets flooded so in order to protect my house and its contents, i purchased the insurance to get coverage for such natual calamities and i am tension-free now.
  • Disclaimers+

    #Savings of 28% are based on the comparison between the highest and lowest premiums for a pucca building with sum insured of >₹ 1 crore at Delhi, for property age less than 5 years and policy term of 11 years.