High Value Homes

Understanding Your World, Protecting Your Legacy.

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Trinity Manor in Jersey, Channel Islands, depicted at twilight, symbolising high net worth house insurance and bespoke coverage for high value homes.

Preserving Your World

Your home is your castle, full of treasures and memories that define who you are. From original pieces of furniture crafted by the finest artisans to unique items of jewellery, each painstakingly created, you deserve home insurance that comprehensively covers them all. In the realm of high value homes, Hepburns recognises that your property is more than just a dwelling; it’s a sanctuary brimming with cherished memories and invaluable treasures. We deliver bespoke coverage, as meticulously designed as a bespoke jacket, wrapping your high-value lifestyle in unmatched protection and care.

Navigating Life's Unexpected, Together

We stand apart from traditional insurance providers by recognising the diversity of our clients’ needs. No ‘typical’ client exists in our eyes, which is why we excel as your independent adviser. Your relationship manager can be your go-to person; they take the time to understand your unique lifestyle, assets, and risk profiles to craft policies that are finely tuned to your specific needs, with local insight as well as a global perspective that they use to help you make the best decisions. With their help, you can have comprehensive access to high net worth house insurance, high value contents home insurance, and home insurance during renovations, assuring that your wealth, lifestyle, and legacy are fully protected.

Tailored Protection for Your Needs

Cover can be personalised to meet your individual needs, covering your home and its contents with a wide range of benefits as standard, and the flexibility to add or extend protection if required.

Worldwide Cover

At home or abroad, our cover will protect your possessions wherever you are.

Accidental Damage

Accidents happen, but as a Hepburns Private Client, your buildings and contents are covered. We respond quickly and personally to any claim, dealing with insurers on your behalf.

Specialist Cover and Agreed Value

Whether your passion lies in jewellery, luxury watches, vintage wines, or classic art, enjoy peace of mind with our private client home insurance.

Alternative Accommodation

If damage makes your home uninhabitable, we offer policies that cover similar accommodation for you, your family, and your pets, without limit.

Home Emergency

In an emergency, the last thing you want is insurance hassle. We offer policies incorporating home emergency cover with no limit on the number of claims, up to an agreed limit per claim.

Garden Contents

Your garden is as much a part of your home as the bricks and mortar. Most of our home policies offer enhanced cover against accidental damage to trees, garden furniture, marquees, and hired equipment up to an agreed value.


We’ve built a trusted network of independent experts who can advise on the value of everything from property to diamonds. Whether your collections of art, classic cars, fine wine, watches, antiques, and designer handbags are driven by passion or investment, as your personal broker, we take the time and care to ensure everything in your home is properly valued and accounted for.

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Domestic Renovations and Extensions

Undertaking work on your home always involves the best craftsmen and contractors who take great care. However, if unexpected events such as fire, storm damage, or vandalism occur in the middle of a project, it’s crucial to have effective cover. As a Private Client, rest assured that we liaise with your builder and communicate with chosen home insurers to ensure you are fully covered throughout the build period.

Embrace Tranquility, Inside and Out.

Contact us today for a private discussion about your insurance needs

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Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday – Friday 08:30-16:30 T: (01481) 738 080
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 738 080
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 515 151

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

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To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney