In homes filled with character, craftsmanship and irreplaceable details, a fire threatens more than the structure - it risks the stories and legacies built into every room. From listed buildings to architect designed estates, high value homes require more tailored fire prevention strategies. Their scale, features and complexity can all elevate risk, making proactive protection essential.

Fire prevention comes first

The most effective fire protection begins long before an alarm sounds. Key preventative steps include:

  • Address electrical vulnerabilities, particularly in older properties where wiring may not meet modern standards.
  • Switch off and unplug unnecessary appliances, especially those powered by lithium ion batteries — now a leading cause of household fires.
  • Inspect roof spaces and hidden voids, where fires can spread unnoticed.
  • Use heat sources safely, including open fires, stoves and hotwork work tools.

Arrange annual boiler servicing to ensure safe and efficient operation.

Protect your home with early detection

Fire protection NFU (Image: Megan Taylor)

Early fire detection is vital - particularly in large, multi‑level homes where fires can spread quickly and protecting life is always the top priority.

Consider having linked smoke alarms installed: when one alarm detects a fire, they all go off together. These should be fitted to all floor levels including cellars and roof spaces and in any room where you leave appliances plugged in, including outbuildings and less frequently used spaces.

Escape planning for complex homes

Every high value property has its quirks — layered extensions, split levels, hidden stairways. A fire safety expert experienced in heritage or larger homes can design escape plans that are intuitive even for guests unfamiliar with your layout.

Act now to protect what you cherish

Fire protection NFU (Image: Megan Taylor)

A single spark can lead to months, even years, of restoration work, particularly in heritage homes where specialist craftsmanship must be matched precisely. At NFU Mutual, we’ve seen individual fire losses exceed £1 million, reflecting the scale of damage fires can cause.

NFU Mutual Bespoke Home Insurance is designed with the unique needs of high value homes in mind. From specialist assessments to support following a major claim, it provides protection that adapts to your lifestyle and your property. Taking the time now to review your fire safety arrangements could offer invaluable peace of mind for the future.

We’re here to help

You don’t have to navigate this alone. Whether you require guidance on fire prevention, formal valuations or support tailoring your cover, NFU Mutual and our trusted partners are here to help ensure your home and its contents remain fully protected.

To find out more about NFU Mutual Bespoke Insurance call 0808 231 2820, or search: NFU Mutual Bespoke Home Insurance

The National Farmers Union Mutual Insurance Society Limited (No.111982). Registered in England. Registered office: Tiddington Road, Stratford-upon-Avon, Warwickshire CV37 7BJ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. A member of the Association of British Insurers.