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Underinsurance and Valuations

Specially designed to cover high-value homes, estates and manor houses, NFU Mutual Bespoke Home Insurance is tailored around you and your lifestyle.

We work with carefully selected and trusted valuation partners, giving you the reassurance that your most valuable possessions are in safe hands.

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Affluent home in the countryside

Do you know the true value of what’s in your home?

It’s not just bricks and mortar that make a home, but a lifetime of accumulated possessions: some precious and treasured, others stored away and overlooked; some collected on your travels and others gifted or inherited. But if you have a cherished piece or collection, do you know it’s value and can you be certain it is properly insured?  

Inaccurately calculating the value of your contents could leave you open to the risk of being underinsured. This means that the amount you’re covered for by your insurance is less than the cost of replacing or repairing your belongings.  

We’ve put together some useful guidance on understanding the value of your home and your possessions, and how to keep them safe. 

2024 Valuation Trends

It can be easy to underestimate the value of such possessions, especially if you haven’t had them valued recently, and don’t closely follow market trends.

White antique cornice

Ten Scottish distilleries to have on your radar

Whether you collect whisky for investment purposes, or take joy in growing a collection, it is important to understand the changing value of your collection to help ensure you can protect it sufficiently.

Gold watch

Changing value of gold

If you’re fortunate enough to own any gold jewellery or watches, then when was the last time you had them valued?

bottles of wine stored in a cellar

Protecting your wine collection

Great pride and joy can be found in wine collecting, however it is important to put measures in place to ensure it is protected.

white diamond

The rise of lab grown diamonds

With lab-grown diamonds becoming more and more popular, it’s worth considering how this impacts the value of true diamonds.

The death of an artist and the value of a collection

The death of an artist is something to take notice of as any spike in value might mean a need to re-evaluate the work and your cover.

High value house with exposed timber

NFU Mutual Bespoke Home Insurance

Includes a wide range of benefits as standard, plus the flexibility to add or extend protection for high-value contents such as fine art, collections and jewellery.

Find out more

Why choose us?

Why choose us?

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.

    No fees

    We don't charge an administration fee when you make adjustments to or if you cancel your policy.