High Risk Items

Extra protection for your valuable items

Upgrade your Home Insurance to protect your valuable items worth over £1,000, home or away.


What is a High Risk Item?

A high risk item, also known as a specified item, is any single item or collection worth more than £1,000.

What's protected with High Risk Item Cover?

A high risk item is:

  • any collectible item which is rare or unusual
  • musical instruments
  • audio visual, photographic or sporting equipment
  • computers, laptops, tablets and notebooks
  • jewellery, watches or pearls
  • pictures, prints or works of art
  • stamp, coin or other collections

This cover doesn't come as standard with any of our policies so if you do have any treasured possessions you'll need to tell us about them when you take out your insurance policy.

For items to be specified, you'll need to tell us the item type, a description and the value. In some instances you may need to provide proof of valuation.

Many of us could have valuables in our home without being aware of them, just think about all things gathering dust in the attic or the back of a cupboard. Take a look at our guide which will help you find any hidden valuables in your home.

Looking for other policy upgrades?

Admiral offers great value, flexible policy upgrades across all our Home Insurance products.