High Net Worth Insurance for Homes, Contents and Lifestyles
If you own a valuable home, collect fine art, drive a prestige vehicle or simply want peace of mind over your assets, standard insurance will fall short. That’s where high net worth insurance comes in, offering bespoke cover for people with more to look after.
At Chubb Thomas, we specialise in arranging luxury home insurance and high-value contents cover for clients across Dorset and beyond. As independent brokers, we’re not tied to any one insurer, which means we focus entirely on getting the right cover for you.
We’ll work with you to assess your home, lifestyle and possessions, then build a policy that covers your risks, values and priorities.
Luxury Home and Prestige Property Insurance
For homes valued over £1,000,000 or contents over £100,000, it may be time to consider prestige property insurance. we arrange cover that extends well beyond the limitations of standard policies.
Your tailored policy can include:
- Specialist luxury home insurance for listed buildings, second homes and non-standard construction
- High-value contents cover for jewellery, watches, art, antiques and collectibles
- Worldwide cover for personal possessions taken abroad
- Alternative accommodation (including pets) if your home becomes uninhabitable
- Protection against the cost for matching sets, ensuring compensation if one part of a pair or collection is damaged or lost
- Expert guidance on valuations and rebuilding costs
Whether you live in a modern architectural home or a Grade II-listed townhouse, we ensure your insurance reflects the true value of your property and lifestyle.
Vehicle Cover for Prestige and Performance Cars
We also arrange car insurance for prestige, high-performance or collectible vehicles, where the value and specification deserve more than a standard policy.
With a tailored motor policy, you’ll benefit from:
- Agreed value cover to protect against depreciation
- Cover for multiple vehicles under one plan
- Like-for-like courtesy vehicles
- 90 days of European cover as standard (with options to extend)
- Options for modifications and restoration projects
If you own a classic, a supercar or a specialist build, we’ll ensure it’s covered properly with policies that reflect your passion and investment.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is high net worth insurance?
It’s a specialist type of insurance designed for individuals with high-value homes, possessions or vehicles. It offers wider safeguards and higher limits than standard policies.
What does luxury home insurance cover?
It typically covers buildings, contents and valuables in higher sums, plus added extras like worldwide cover, alternative accommodation and cover for sets and collections.
When do I need high-value contents cover?
If your contents exceed £100,000 or you own high-value items like jewellery, art or antiques it’s likely you need a specialist contents policy.
Can you insure second homes or listed buildings?
Yes. We arrange prestige property insurance for a wide range of property types, including second homes, holiday houses and period properties.
Does this type of insurance include worldwide cover?
Often yes. Many high net worth policies include worldwide cover for personal items taken abroad. We’ll confirm what’s available with your chosen insurer.
What’s the benefit of agreed value car insurance?
You agree the value of the vehicle at the outset, which means you won’t lose out due to depreciation in the event of a total loss.
Can I combine home and car insurance under one policy?
Yes. Many high net worth insurers offer combined cover, which simplifies admin and may come with added benefits.
Do you help with claims?
Yes. We provide direct, ongoing claims support through a named contact with no call centres or waiting in queues.
What makes you different from online insurers?
We provide tailored, independent advice backed by decades of experience. Our service is personal, discreet and always in your interest.
Why choose Chubb Thomas for my high net worth insurance?
We’re independent and based in Bournemouth. You’ll not deal with a call centre—just a named contact who’ll help find the right cover and support you if you need to claim. We’re a truly independent Dorset broker offering real advice, not scripts.
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High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk