Op de Beeck & Worth offers tailored high value home insurance for discerning clients, including expatriates, international property owners, and Spanish residents. With over 40 years of experience and a dedicated Private Clients division, we provide solutions that go far beyond standard insurance.
Whether you own a luxury villa on the Costa del Sol, a property filled with fine art and antiques, or a second home abroad, our specialist team ensures your assets are properly protected — with custom home insurance policies tailored to international lifestyles. We see ourselves as the Insurance equivalent of a Private Banker who seeks to understand the individual requirements of each client and deliver solutions accordingly.
What qualifies as a high value home?
A high value home is typically one with a rebuilding cost over € 1.500,000, or a property that includes high-end collections — such as fine art, rare antiques, luxury furnishings, or bespoke valuables. These homes often have unique features, such as bespoke architecture, smart technology, or custom-built interiors, and may include multiple residences or second homes abroad.
Unlike standard homes, high value properties require tailored risk assessments and specialist cover to ensure that every asset — from contents to lifestyle — is fully protected.
Is High Net Worth Home Insurance Right for You?
What Does Our Specialist Home Insurance Cover?
Core Coverage
- Buildings & contents (new-for-old basis)
- Worldwide “all risks” cover
- Cover for accidental damage and theft
- Temporary accommodation in case of claim
- Public liability up to €7.5M (incl. liability to domestic staff)
Valuable Assets & Collections
- All Risks cover for Fine art, antiques, jewellery, watches & personal effects
- Artistic depreciation due to an insured loss
- Cover for newly acquired ítems
- Optional: appraisal service and risk inspection
Additional Options
- Coverage for secondary residences (Spain or abroad)
Protect all your properties under one policy, whether located in Spain or internationally. Ideal for second homes and frequent travellers. - Kidnap & ransom (K&R) cover
Access to expert consultants and financial protection in case of extorsion, detention or kidnapping-related incidents. - Identity theft and reputational protection
Safeguard your identity and reputation with coverage that includes legal and advisory assistance.
Our Exceptional Household Insurance policy provides the broadest cover available in the Spanish market and is backed up by an award winning claims service.
Multi-Property and International Coverage
Why Standard Insurance May Not Be Enough
Understanding the differences between standard and high net worth insurance can help you see why bespoke policies are crucial for premium properties.
Feature | Standard Policy | HNW Policy |
|---|---|---|
Policy limits | Fixed | Flexible, high limits |
Specialist assets | Not included | Covered & appraised |
Global coverage | Limited | Worldwide |
Risk inspections | Not offered | Included |
Claims support | Generic | Dedicated HNW adjusters |
Personal service | Call centre | Assigned account manager |
A standard policy may leave critical gaps in cover, especially for unique or non-standard homes. Our bespoke approach ensures complete peace of mind.
The Op de Beeck & Worth Difference
- Home insurance specialists for high net worth individuals, with over 40 years of experience
- Specialists in HNW and expatriate clients
- In-home consultations and risk assessments
- Strong partnerships with leading specialist Insurers like Hiscox
- Rapid and personalised claims handling
- Trusted by thousands of satisfied private clients across Spain
Real Claims. Real Support.
Frequently Asked Questions
It’s a specialised insurance policy designed to protect high-end properties and their unique contents, offering higher coverage limits and tailored service.
Typically, properties with a reconstruction cost above € 1.500,000 and contents over € 300.000. These properties will often have specific requirements for jewellery, watches, handbags, art and other objects off value.
Absolutely. We have extensive experience advising non-Spanish residents. we speak 7 languages in the office, and more importantly understand the cultural differences which expat clients experience when buying Insurance in Spain.
Yes. High value home insurance is available for clients with high value properties where reconstruction costs are in excess of € 2,5M and contents values in excess of € 250.000. These properties will often have jewellery, art, high value personal effects such as designer handbags, wine collections etc.. In order to make sure that the sums insured, maintenance, and general home security are up to the task, we will often arrange for risk inspection to be carried out within 30 days of a risk incepting.
You will deal directly with our expert in house claims handlers and specialist loss adjusters accustomed to high-value situations, who will accompany you every step of the way through the claims process, therefore ensuring that your interests are protected at all times.
Support for Property Managers and Family Offices
In addition to working directly with homeowners, we also collaborate with property managers, family offices, legal representatives and architects who manage or advise on behalf of high net worth individuals. Our team provides expert support, policy reviews, and documentation tailored to professional intermediaries.
Ready to Protect What Matters Most?
- Tailored cover for high-value and luxury homes
- Protection for buildings, contents, and valuables
- Bespoke policies for unique properties
- Expert advice for high net worth individuals and expats
- Comprehensive protection beyond standard home insurance
