Large house insurance
Specialised Home Insurance

Large house insurance

When it comes to insuring large houses, the complexities and specific needs are as unique as your property. At Intelligent Insurance, we understand that homes with six bedrooms or more require more than just standard cover. That’s why we specialise in offering comprehensive buildings and contents policies tailored specifically for large and spacious properties.

Our commitment is to provide you with the highest levels of cover at competitive prices, ensuring that your grand home and its valuable contents are fully protected*. Whether your beautiful residence is a heritage-listed building, a bustling family home, or a serene second home, we can offer cover that matches the scale and splendour of your property.

With Intelligent Insurance, the journey towards securing your large home begins with an immediate online quote. Beyond this, you’ll be supported by our service team, acclaimed for excellence by our customers, and provided with cover that is a Defaqto 5-star rated.

We’ve got you Covered.

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Key Features of Our Large House Insurance

Our insurance policies for large homes are intelligently designed with your specific needs in mind, offering a range of features that ensure comprehensive protection:

  • High Cover Limits: Understanding the need for higher cover for large properties and offer increased limits to fully safeguard your home and belongings
  • Tailored Policies for Unique Homes: Whether your property is a historical landmark, a modern mansion, or a second home, our policies are customised to fit
  • Efficient Claims Process: a smooth and efficient claims process, ensuring quick and fair resolution when you need it the most
  • Additional Cover Options: Opt for extra protection like accidental damage cover, legal expenses, and more, for complete peace of mind
  • Flexible Payment Options: Choose from various payment plans that suit your financial preferences, making insurance management straightforward and stress-free
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Large House Coverage Tailored to You

An Intelligent approach to Large House Cover

Intelligent Insurance approaches Large House Cover with a smart, personalised touch. Understanding that each property and homeowner’s circumstances are unique, we tailor our policies to your needs.

This intelligent approach ensures that whether your home is a standard build, a listed property, or has unique characteristics, your insurance coverage is as individual as your home.

We’re committed to providing protection that adapts to your specific needs, offering peace of mind and comprehensive cover for both buildings & contents.

What we provide

Buildings cover up to £1,000,000
To repair or rebuild your home, as standard by Defaqto, an independent financial research company
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover
Replacement and repair to any parts of the building that are removed when tracing escape of water

What isn't included?

We don’t cover loss or damage
  • Caused by wear, tear or gradual deterioration
  • That occurred before the policy started
  • Caused by vermin, insects, pets
  • Caused by dishonest, wilful or deliberate acts
  • Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas
Cover restrictions
  • you are only covered up to the maximum claims limits shown on your schedule
  • you are responsible for any excesses stated in your policy
  • any exclusions or restrictions shown by endorsement in your schedule

Large House Cover Levels

  • Buildings Insurance

    Cover for the main structure of your home if you need to repair or rebuild it

    Up to £1 million
  • Contents Insurance

    New for old cover for belongings kept in your home

    Up to £100,000
  • Alternative Accommodation

    Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event

    Up to £50,000
  • Trace and Access

    Replacement and repair to any parts of the building that are removed when tracing escape of water

    Up to £5,000
  • Family Legal Protection

    Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.

    Up to £25,000
  • Home Emergency Cover

    24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

    Up to £250 per call-out
  • Family Legal Protection Plus

    Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

  • Home Emergency Plus

    Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation

  • Accidental Damage

    Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass


Frequently Asked Questions

Typically, we classify homes as ‘large houses’ if they have six or more bedrooms. However, we also consider other factors like total square footage and unique property features. Our policies are tailored to meet the specific needs of spacious and expansive homes.

Absolutely. We specialise in insuring listed and heritage properties, understanding the unique requirements and considerations for these types of homes. Our policies are crafted to provide the specialised coverage that such historic properties necessitate.

We offer specialised policies for large houses that may be unoccupied for extended periods, such as holiday homes or properties during renovation. These policies ensure that your home remains protected, even when you’re away, with specific coverage for unoccupied periods.

We offer several additional coverage options to provide comprehensive protection for your large house. These include accidental damage cover, legal expenses, and coverage for valuable personal property, among others. Our team can help you customise a policy that perfectly fits your needs.

Yes, we offer contents insurance cover that is specifically designed to meet your needs. Our policies ensure that the contents of your home, regardless of its size, are fully protected against a wide range of risks. Whether you’re looking to combine this with your buildings insurance for convenience and savings, or prefer to maintain separate policies for greater flexibility, we have you covered.
We also offer additional cover for high-value and specified personal belongings.
If you already hold a policy with us, adding contents coverage is simple and can be done at any time through your account, ensuring your valuable possessions are safeguarded.

Still have questions? Visit our help centre

Understanding Your Needs & Your Home

At Intelligent Insurance, we recognise that insuring a large house is not a one-size-fits-all scenario. Our approach is to understand and address the unique aspects of your property:

Listed Buildings and Heritage Homes

Special expertise in covering homes with historical significance, ensuring they receive the delicate care and specific cover they deserve.

Properties with Extended Absence Periods

Whether it’s a holiday retreat or a business travel requirement, we provide cover that remains robust even when your property is unoccupied.

Homes with Special Features

From bespoke architectural designs to luxury installations, we ensure that the unique features of your home are comprehensively covered.

Insurance for High Value Homes

Get an online quote for your Large House Insurance, tailored to your needs

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Speak to a member of our team

For help with your quote, use our online chat to speak with a member of our team

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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Home Insurance Specialists names you can trust

Intelligent Insurance | AXA Panel Member
Allianz Insurer
Intelligent Insurance | Pen Underwriting Panel Member
Intelligent Insurance | Arkel Panel Member
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member

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