Compare Assetsure Home Insurance Quotes Against The Market

Assetsure is not your standard mass-market home insurance provider. Based in the City of London, Assetsure (a trading name of Hildon Park Limited) is a highly specialised insurance intermediary and a designated Coverholder at Lloyd’s of London.

While you can buy standard home insurance from them, their true expertise lies in the Mid-Net-Worth and High-Net-Worth (HNW) markets. They are arguably best known across the UK for insuring high-value items - such as diamond engagement rings, luxury watches, fine art, and antiques - that standard high-street insurers often refuse to cover or cap with restrictive limits.

You can get independent advice and a personalised quotes comparison of specialist high-net-worth policies (including those arranged by Assetsure) from one of our expert advisers below:

What type of home insurance do they provide?

Because Assetsure caters heavily to clients with valuable collections, they do not use the typical "Bronze, Silver, Gold" framework. Instead, their home insurance is tailored into Mid-Net-Worth and High-Net-Worth policies, alongside their famous standalone item cover.

Buildings insurance

Their property cover is designed to remove the stress of under-insurance, which is vital for larger or older homes.

• Cover limits: Assetsure typically provides a baseline of £1,000,000 for buildings cover automatically, preventing the need for complex rebuild calculations for standard affluent homes. For ultra-high-net-worth properties, this can be increased significantly.

• Non-Standard Properties: They excel at sourcing cover for properties that standard insurers avoid, including Listed Buildings, Holiday Homes, and Log Cabins.

• Trace and Access: Robust cover to find the hidden source of a water leak is typically included with generous limits.

Contents & Fine Art Insurance

This is where Assetsure truly stands out. Standard insurers often cap single valuable items at £2,000. Assetsure policies are built around protecting wealth.

• High Single-Item Limits: Their HNW policies offer exceptional unspecified single-article limits for fine art, antiques, clocks, and barometers.

• Jewellery & Watches: They provide massive "All-Risks" cover, meaning your luxury watches and engagement rings are covered against accidental damage, loss, and theft, both inside the home and anywhere in the world.

• New for Old / Valuations: Jewellery claims are often settled by replacing the item via their preferred jeweller network or settling the cost of the replacement based on its current market value (which is crucial, as the price of gold and diamonds fluctuates).

Standalone Items Insurance

If you are perfectly happy with your current standard home insurer but they refuse to cover your new £10,000 engagement ring or vintage Rolex, Assetsure allows you to buy a Standalone Policy just for that item, without needing to move your entire home insurance over to them.

How Assetsure calculates premiums

Because they deal with high-value risks, Assetsure uses a mix of bespoke Lloyd's underwriting and manual assessment:

• Asset Value & Fluctuations: Your premium is heavily dictated by the value of your specific items. If the global price of gold surges, your items cost more to replace, which can increase the premium.

• Security Requirements: For high-net-worth homes and large jewellery collections, Assetsure will mandate strict security measures. This might include an approved home safe, specific five-lever mortice deadlocks, or a monitored burglar alarm.

• Lifestyle Triggers: High-net-worth underwriting considers your lifestyle - such as how often you travel abroad with your jewellery or whether your property is left unoccupied for long stretches.

• No Deductions/Excess: For many of their specialist standalone item policies, there is zero excess to pay in the event of a claim, which is factored into their base premium.

Assetsure Customer reviews

Assetsure has cultivated a phenomenal reputation in the UK market, largely due to their "old-fashioned" approach to customer service, where you speak to experts in London rather than an outsourced call centre.

• Trustpilot: Assetsure holds an Excellent rating on Trustpilot, consistently scoring 4.8 or 4.9 out of 5 based on thousands of reviews. They frequently rank as the #1 company in the UK for Jewellery and Watch Insurance.

• Claims Handling: Customers heavily praise their empathy and speed during the claims process. Losing an engagement ring is highly emotional, and reviews consistently highlight how Assetsure staff handle these situations delicately and settle claims swiftly.

• No Admin Fees: Reviewers often praise the fact that Assetsure typically does not charge administration fees if you need to make a mid-term adjustment (like adding a new watch to your policy)

How to get an Assetsure home insurance quote

You can get an instant quote for standalone items (like bicycles, cameras, or rings) directly on the Assetsure website. However, for full High-Net-Worth Home Insurance, you will usually need to speak to them directly so they can assess your specific property and collection.

While Assetsure is superb, they are not the only player in the Private Client market (competitors include Hiscox, Chubb, and Artsure). To ensure you are getting the absolute best premium and policy terms for your estate, it is vital to compare the high-net-worth market.

At Money Helpdesk, our specialist home insurance experts have access to a wide panel of high-net-worth underwriters. If you are looking to arrange robust cover for your home and valuables, get in touch and we will present you with your best options.