Large house insurance
Specialist Large Home Insurance

Large house insurance

Larger homes carry unique risks, and require insurance that reflects their scale.

Whether you own a listed property, a modern build, or spacious family home, our specialist large house insurance provides tailored buildings and contents cover designed to protect high-value homes, part of our wider non-standard home insurance offering.

With increased cover limits, optional extras, and flexible terms, we provide comprehensive protection that adapts to your property’s specific needs, all supported by our Defaqto 5-star rated service.

Flat roof insurance

Insuring Your Large Property

Our policies are designed for high-value homes with complex needs, offering comprehensive protection at every level.

  • High Cover Limits: Increased buildings sums insured to reflect the value of larger properties.
  • Tailored Policies for Unique Homes: Cover for listed buildings, modern architecture, second homes and let-properties.
  • Efficient Claims Process: Fast, fair, and efficient claims handling when you need it most.
  • Optional Extra Cover: Add accidental damage, legal expenses, and other extras for full peace of mind.
  • Flexible Payment Options: Multiple payment plans to suit your preferences.
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Tailored Protection for Large Properties

An Intelligent Approach to High-Value Home Insurance

Every large home is different, from historic properties to modern designs with unique features.

We build each policy around your property’s exact requirements, offering specialist protection for buildings, contents, and personal possessions.

No assumptions, no shortcuts, just high-value home insurance built to match your property.

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
Contents Insurance up to £100,000
New for old cover for belongings kept in your home
Alternative accommodation
Temporary accommodation in the event your home is uninhabitable
Replacement locks and keys
For lost or stolen keys
Trace and access cover up to £5,000
Replacement and repair to any parts of the building that are removed when tracing escape of water
Family Legal Protection up to £25,000
Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.
Home Emergency Cover up to £250 per call-out
24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

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

Looking for extra protection? Upgrade your cover

  • 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.

    Optional
  • 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

    Optional
  • Accidental Damage

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

    Optional

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

What you get with Intelligent Insurance

  • Defaqto 5-Star rated protection
  • Underwritten by trusted, household-name insurers
  • Competitive premiums with flexible payment options
  • UK-based team praised for excellent customer service
  • Fast online quote - no lengthy phone calls required
Ready to get insured?

Get a quote for your large home now.

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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.

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How to make a claim

Making a claim has never been easier – just follow these three simple steps.

step-one to making a claim

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

step-two to making a claim

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

step-three to making a claim

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

Home Insurance Specialists names you can trust

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

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