High-Value Homeowners Insurance Quotes (2026) – Compare Premium Policies & Secure Full Coverage Today
Protect your most valuable asset with premium homeowners insurance coverage tailored for high-value properties.
Compare leading insurers, request a personalised quote, and secure comprehensive protection for your home, belongings, and liability exposure.
Why High-Value Homeowners Need Premium Insurance
- Full replacement cost coverage
- High liability protection limits (€1M+)
- Worldwide valuables coverage
- Guaranteed rebuild cost protection
- Extended water & fire damage protection
- Legal expenses & liability defence
Standard home insurance may not provide adequate coverage for luxury or high-net-worth properties.
Premium Coverage Options
- Luxury property insurance
- High-value contents protection
- Jewellery & art insurance riders
- Flood & natural disaster extension
- Home office & business equipment cover
- Landlord & rental income protection
Estimated Annual Premium (High-Value Homes)
| Property Value | Estimated Annual Premium |
|---|---|
| €750,000 Property | €1,000 – €2,500 |
| €1M Property | €2,000 – €4,500 |
| €2M+ Luxury Home | Custom Premium Quote |
Premiums depend on location risk, rebuild cost, claims history, security systems, and coverage limits.
How to Get the Best Homeowners Insurance Quote
- Calculate full rebuild cost
- Declare high-value assets
- Choose liability protection level
- Compare premium providers
- Lock in fixed annual premium
Comparing multiple insurers can significantly reduce annual premiums while improving coverage limits.
Mortgage & Asset Protection Requirements
Mortgage lenders and private banks often require proof of comprehensive homeowners insurance with sufficient liability limits.
- Mortgage compliance coverage
- Asset-backed lending protection
- Portfolio property insurance solutions
Get a High-Value Home Insurance Quote Today
Protect your property, valuables, and financial security with a premium homeowners insurance policy tailored to your needs.
Compare quotes. Increase coverage. Secure your home today.