Oak High Value Home Insurance

Versatile Buildings & Contents Insurance designed exclusively for affluent high net worth individuals

The Oak High Value Home insurance policy provides superior quality cover and service which is tailored to suit your individual needs.

If you would like to discuss your requirements then please give us a call or request a callback.


Buildings Insurance

Oak High Value Home Insurance provides first class buildings cover for prestigious properties and includes cover for swimming pools, garages, stables and all domestic outbuildings. Cover is available for multi residences including UK second/holiday homes and overseas second/holiday homes.

Buildings insurance is available for property with a minimum sum insured of £300,000 and provides the following additional cover:

Up to £10,000 trespass protection

Up to £50,000 domestic oil leakage

Alternative accommodation for up to 5 years

Up to £25,000 towards the cost of essential alterations to your home as a result of permanent physical disability of any member of your family

Contents and Valuables

Comprehensive worldwide all risks* cover including accidental loss or damage for the contents of your home including:

Relatives effects in a nursing/residential home - up to 20% of the sum insured

Students possessions - up to 20% of the sum insured.

Up to £10,000 quad bikes, sit in toys and miniature vehicles (provided Road Traffic Act cover is not obligatory)

Up to £10,000 sit on domestic garden equipment

Trailers and non motorised horseboxes

Up to £20,000 for hired in marquees and associated equipment

Up to £30,000 forged cheques/bank notes

Up to £50,000 credit cards

£5,000 for money

Unlimited cover for property of your guests

Up to £25,000 single article limit for fine art and antiques

Up to £10,000 single article limit for jewellery, watches and guns

Up to 25% of the sum insured up to 60 days for new acquisitions and gifts

Property Owners, public and personal liability - up to £10m

Employers Liability - up to £10m


Who is it for?

What is covered?

Why you need it?

Owners of High Value Rural or City Homes with:
  • Prized collections of antiques
  • Fine art
  • High end electronic equipment
  • Expensive jewellery
  • Swimming pools
  • Stables
  • Second homes

Worldwide All Risks Cover including:
  • Minimum sums insured - Buildings £300,000 and/or Contents & Fine Art & Antiques £100,000
  • Fine art and antiques, single article limit of £25,000
  • Jewellery, watches and guns, single article limit of £10,000
  • Up to £20,000 business contents

To protect You, Your home and contents from:
  • Theft by Third Parties
  • Fire and Water Damage
  • Malicious and Accidental Damage
  • Public Liability Claims
  • Cover you for Legal Expenses
  • Enable you to pay any damages you may be liable for

Additional Benefits Include

Oak Insurance


  • A discount of 10% on your initial premium for 3 years no claims, increasing to 20% by year 5
  • Free appraisal service for owners of property and contents in excess of £1m
  • Assistance and Information Helpline
  • Up to £1,000 Home Emergency Service

Only available via a broker. A very exclusive range of versatile home insurance designed for owners of extremely high value homes and possessions.

Portfolios of properties can be insured & managed. Very high specified single item limits of £10,000 for valuables & £25,000 for art, antiques.

Other Information

All risks means that we cover the usual perils of fire, storm, flood etc, but the cover extends to include other accidental damage that may occur to your home or possessions.

We do need to know if your home will be unoccupied for more than 60 continuous days and cover will exclude damage from escape of water and oil, theft and malicious damage unless we agree otherwise.