Private Clients

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High Net Worth Insurance

We aim to make the most complex aspects of insurance straightforward.  A core part of our business is delivering insurance for those with significant asset bases and as a result often complex insurance requirements.  Our team will work with you to construct the most appropriate solutions to cover all aspects of your lifestyle including property, automotive, valuables and even collectables.

Private Clients on a boat

What is covered under mid to high net worth insurance?

When your property(s) and possessions exceed a certain value, you will need specialist cover to ensure that everything important to you is safely insured. We cover a wide scope of personal high net worth assets including high-value homes and multiple propertiesholiday homeshigh-value artjewelleryvehicles (multi-vehicle, prestige and classic cars) wine, valuables, large collections or single item collectables, antiques and yachts.

Why you should choose high-value home and contents insurance

Standard household and contents insurance policies may not cover second properties, holiday homes or protect your possessions and collectables up to their sum value. They also do not have the wide scope and flexibility to protect those specialist assets outside of more typical contents and possessions. Falling outside the parameters of standard policies can lead to you being underinsured, leaving high-value contents and collectables unprotected and at risk.

Mid to high net worth insurance policies have high limits of cover as standard to reflect the precise value of your possessions and also offer further tailoring and flexibility to suit your individual lifestyle and circumstances. Adjustments and enhancements can be made to these policies to accommodate for the fluctuations in the value of possessions and valuables and when additional assets need to be added.

Why Luker Rowe?

Access to Major Insurers

Our access to a network of respected insurers will provide you with peace of mind that your high-value home and contents insurance will deliver full protection for you and your family, covering every property and possession that is important to you.

Home & Security Surveys

Through our network of specialist partners and trusted contacts, we can offer home surveys and tailored security surveys to assess risk, value your property and possessions to gain an accurate understanding of your situation, enabling us to provide you with a fully bespoke insurance policy.

In-house Claims Team

Our in-house claims team will act as your customer advocate in discussions with insurers. When working towards settling your claim, our handlers will be your primary contact and directly support you throughout the process.

Cross-Continent Coverage

Whether your assets are in the UK or overseas, our team we will be able to deliver a tailored policy and provide support and advice to ensure you are always protected.

One policy, one renewal date, one number to call

Our high-value home and contents insurance policies enable you to cover all your assets under one arrangement, making protecting all your possessions and belongings easier with fewer restrictions. One renewal date helps you view an accurate representation of the duration of your policy and plan ahead to ensure you are always protected. A dedicated account manager will always be available at the other end of the phone to help resolve any queries you may have.

Start protecting your high-value home(s) and contents today

Our philosophy is to deliver a first-class service to our private clients, dedicated to delivering complex insurance policies and providing professional advice and solutions individually suited to your circumstances. If you are a mid to high net worth individual, we can provide you with a custom-made policy tailored to your requirements.

Our Mission Statement

We have access to the right products to properly protect your valuable property and possessions with tailored cover to ensure your peace of mind.

As your broker, we will provide you with unparalleled expertise whilst supporting and adapting your cover as you continue to accumulate net worth.

With over 30 years’ experience assessing complex requirements and delivering bespoke insurance solutions, we are specialists in ensuring your assets are always protected.

Michael Clark – Lifestyle Insurance Account Executive

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Joyce from the Luker Rowe team

“Having worked with Luker Rowe for many years, I can thoroughly recommend all aspects of the business. I use them for business brokerage and also personal – always professional, prompt and helpful with advice.”

Google 10/10/2020