Insurance for those with more to protect

No. Home insurance mandatory is not a law. Lenders usually want buildings insurance from exchange and many buyers arrange buildings cover to meet that.

Think about:

• Who lives in your home?
• What kinds of risks might you face?
• How much financial protection do you want?
• Your ability to pay for repairs yourself.

With some insurers, accidental damage cover is priced separately. Even a single claim, such as for broken glazing or damage to a bathroom fixture, could outweigh the cost of adding cover. With rivr, this protection is included when you insure your buildings.

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Yes. Structural accidents, such as cracked walls or a dropped object damaging a stone countertop, can cost significantly more to repair than minor cosmetic issues. Covering these kinds of incidents offers greater value

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Some insurers split accidental damage into basic (e.g. glass or sanitaryware) and full (including structural damage or fixtures). With rivr, buildings cover includes all-risks protection, meaning accidental damage is already built in, without needing to choose between levels.

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The cost of high-value home insurance depends on a number of factors such as the amount of cover required, and other risk factors such as flood or theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium, you receive broader and more extensive cover with higher limits than is available with standard home insurance.

The cost of high-value contents insurance depends on a number of factors such as the amount of cover required, and other risk factors such theft risk. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.

The policy is insured by two of the largest insurance companies in the world, which are both A-rated for their financial strength. The Buildings, Contents and Liability cover is insured by HDI Global Specialty SE. The Home Emergency and Family Legal Protection cover is insured by AmTrust Specialty.

All risks insurance provides a broader form of coverage compared to standard home insurance policies. It typically offers protection for both personal possessions and valuables at home and worldwide. It also covers accidental damage. All risks cover still has some exclusions such as wear and tear or mechanical breakdown. You would need to check the policy for specific exclusions and limits.

Normally home insurance providers will not cover your home if any building works are being carried out. At rivr we still insure your home when building works are being carried out as long as the contract for the works is less than £75,000. If the works are costing more than this we can arrange separate specialist cover for renovations through our specialist insurance partner.

Standard buildings insurance covers typical homes, while high-value buildings insurance is designed for properties with a higher rebuild cost or unique features. High-value insurance provides more extensive coverage for expensive materials, luxury finishes, and special architectural elements that may not be fully covered by a standard policy. It also often includes higher claim limits and additional protection options.

Our contents insurance covers is extensive and covers most of the items in your home, but some examples are:
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Furniture and furnishings
Jewellery and watches
Art and antiques
Bicycles and sports equipment
Electronic items such as laptops, phones
TVs and sound systems.

All of these items are covered worldwide as standard.

Combined building and contents insurance covers both the structure of your home and your personal belongings inside it. This means that if your home is damaged by events like fire, floods, or storms, and your possessions are lost, damaged, or stolen, you can claim for both under the same policy.

High-value buildings insurance provides cover for the physical structure of your home. The cover extends to any outbuildings and most physical structures on your property. It is designed for homes that have a higher rebuild value, or that require specialist cover due it being constructed of a non-standard material or being listed.

Generally, you need high-value buildings insurance if your home has a rebuild value over £1 million or it is built of non-standard materials or is Listed.

Yes we can insure Grade 1 or A Listed, Grade 2 or B Listed or Grade 2* Listed buildings.

The general rule is that you need high-value home insurance if you meet any of the following criteria: - The rebuild value of your home is over £1 million - Your general contents are worth over £100,000 - You have valuable items that together are worth over £30,000

The general rule is that you need high-value contents insurance if you have:

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General contents are worth over £100,000

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or

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Valuable items that together are worth over £30,000

The cost of high-value buildings insurance depends on several factors, including the rebuild cost of your home, its location, any unique features, and the level of coverage you need. Premiums are usually higher than standard insurance because of the increased value and risk, but with this premium you receive broader and more extensive cover with higher limits than is available with standard home insurance.

Yes we do insure most buildings that are made of non-standard materials like timber or wattle and daub, but these are evaluated on a case by case basis.

Yes. Your jewellery insurance policy covers your jewellery collection, including rings, necklaces, earrings, bracelets, and watches. This means you can protect your entire jewellery collection without the need for separate, standalone policies.