home contents insurance- separate policy for high value items?

[mrsnobby]

Hi. I am struggling to get insurance because we have a few high value items such as my engagement ring, my husband's watch and a couple of original paintings. One insurers suggested I get a separate policy for these high value items and they cold cover me for buildings and all the other contents. I have not heard of this before. Does anyone know of a specialist insurers that would just insure these items? Or can anyone recommend an insurers who would take on high value items as part of the buildings & contents policy? Many thanks for your help.

Have you tried putting them through a broker?

I've had success with engagement ring, watch and some antique clocks through confused.com, tho lots of companies refused to quote for the high value items. I guess it depends on quite how valuable the things are tho!

I'd have thought the jewellery on the house insurance would be beneficial for taking out of the house? If the paintings are particularly valuable, maybe you could find someone to insure seperatly. But that would mean twice the paperwork if anything was to happen to the house and paintings!

John Lewis have come up trumps
Thank you though

I am out the top bracket for John Lewis broker found a policy, but very expensive. NFU came up trumps for me.

I have some specialist items - musical instruments - which have always been on a specialist policy because household insurance doesn't suit. While they're not valuables in the sense of being attractive to a thief, one or two are high value.
I've once had general insurance refused because I own them, even though they're not on that insurance, but generally it suits very well.
It may be twice the paperwork, but "new for old" is the last thing I want in this case!