Can Allianz protect multiple properties and investment homes?

Absolutely. Allianz can be structured to cover multiple prestige homes, holiday houses and investment properties as part of a single program.

Luxury Home Insurance – Allianz Private Client / High-Value Homes (Australia)

Q: Is Allianz suitable for prestige and high-net-worth homes?

Yes. When structured through a specialist broker like Luxsure, Allianz can provide strong cover for prestige homes, architectural residences and high-value contents.

Q: Does Allianz cover waterfront or coastal homes?

Allianz can cover waterfront, harbourside and coastal homes, including storm and wind exposure, subject to correct valuations and underwriting criteria.

Q: Can Allianz insure jewellery, artwork and valuables?

Yes. Allianz policies can be tailored to include higher limits for jewellery, artwork, collections and other high-value contents.

Premium, tailored insurance for prestige homes, architectural residences & high-value contents

Allianz is one of Australia’s most established and respected insurers, offering strong, comprehensive home insurance that can be tailored to prestige properties when arranged through a specialist broker. Luxsure works with Allianz to build high-value, customised home insurance programs designed for luxury homeowners who require broader protection, higher limits and more accurate coverage than standard retail policies provide.

For homeowners with multi-million-dollar properties, high-value contents, complex architecture or coastal exposure, Allianz can deliver a powerful, flexible and reliable insurance solution — when structured correctly.

Your luxury residence deserves an insurer with scale, capability and precision.

Why Allianz Is a Strong Choice for Luxury & High-Value Homes

Allianz provides an excellent base for a tailored prestige policy when enhanced through specialist brokerage. It offers broad protection across property, contents and liability — with the strength of a global insurer and the flexibility to customise for high-net-worth households.

High Rebuild Value Support

Allianz policies can be structured to support multi-million-dollar rebuild costs, including:
• Architectural homes
• Imported materials
• Custom interiors
• Specialist engineering
• High-end renovations
• Bespoke finishes
• Multi-level structures and premium landscaping

Coastal & Environmental Risk Capability

Allianz has strong underwriting capability for homes exposed to:
• Storm damage
• Wind and surge
• Salt corrosion
• Moisture intrusion
• Clifftop conditions
• Environmental impact on premium materials

With correct valuations, Allianz can be positioned as a strong option for coastal suburbs, riverfront properties and elevated homes.

High-Value Contents Protection

Allianz can be tailored to cover luxury contents, including:
• Jewellery, watches & private collections
• Art, sculptures & antiques
• Designer furniture & interiors
• Premium electronics & home technology
• Wine collections & cellars

Personal Liability & Lifestyle Protection

High-net-worth homes often come with elevated liability exposures. Allianz supports:
• Domestic staff liability
• Guest & visitor injury cover
• High-profile household risks
• Legal and personal liability extensions

Trusted Claims Support

Allianz is one of Australia’s most experienced claims handlers, providing strong stability, consistent performance and reliable customer experience.

What Luxsure + Allianz Cover for Prestige Homes

A luxury Allianz home package structured through Luxsure can include:

Property Protection

• High rebuild-value home cover
• Architectural and designer-built home insurance
• Renovated prestige homes
• Heritage property support
• Multi-level coastal homes
• Premium outdoor areas: pools, spas, decks, stonework

Contents & Valuables

• High-value contents
• Jewellery, art & collections (tailored limits)
• Designer interiors
• Custom furnishings
• Technology systems

Worldwide Cover (Optional)

• Portable valuables
• Travel-related loss
• International personal effects

Luxury Investment Properties & Secondary Homes

• Premium landlord protection
• Prestige rentals
• Holiday homes
• Multi-property portfolios

Who Allianz Luxury Home Insurance Is Ideal For

Allianz is a strong fit for high-value homeowners seeking enhanced, reliable protection across:

• Prestige suburban homes
• Waterfront or coastal residences
• Architectural designer homes
• Inner-city heritage terraces
• Luxury family estates
• Penthouses & premium apartments
• High-value investment properties
• Multi-property ownership portfolios

Areas Served – (Australia-Wide)

Luxsure structures Allianz luxury home insurance programs for clients across:

New South Wales (Prestige Areas)

Vaucluse, Point Piper, Bellevue Hill, Double Bay, Rose Bay, Darling Point, Woollahra, Mosman, Hunters Hill, Wahroonga, Lindfield, Northbridge, Manly.

Victoria (Premium Melbourne Suburbs)

Toorak, South Yarra, Brighton, Kew, East Melbourne, Malvern, Hawthorn, Balwyn, Canterbury.

Queensland (High-End Brisbane + Coastal)

Teneriffe, New Farm, Hamilton, Ascot, Chandler, Sunshine Coast (Noosa, Sunshine Beach), Gold Coast prestige belt.

Western Australia (Perth’s Western Suburbs)

Peppermint Grove, Dalkeith, Cottesloe, Swanbourne, City Beach, Mosman Park.

South Australia (Adelaide Elite Suburbs)

Unley Park, Medindie, Malvern, Erindale, Walkerville.

Tasmania, ACT & NT

Premium and high-value homes in Hobart, Canberra and Darwin.

Our Private-Client Process (Allianz x Luxsure)

Luxsure ensures Allianz cover is structured correctly — maximising protection, limits and accuracy.

1. Full Risk & Rebuild Assessment

We review rebuild costs, materials, architectural complexity, contents values and lifestyle exposures.

2. Bespoke Policy Construction

We design a tailored Allianz prestige home insurance program that reflects the true value of your home.

3. Placement With Allianz Underwriting

We negotiate the optimal terms, limits and protections that standard retail policies rarely offer.

4. Ongoing Management & Claims Support

We assist with adjustments, valuations and high-touch claims support whenever needed.

Why Luxury Homeowners Choose Allianz Through Luxsure

• Broader, flexible cover
• Strong claims performance
• High-value home capability
• Reliable insurer stability
• Customised protection not available through retail policies
• Accurate valuation support
• Confidential, private-client management
• Multi-property portfolio expertise

Allianz provides a powerful foundation — Luxsure elevates it into a tailored luxury insurance solution.

Allianz Luxury Home Insurance – FAQs

Is Allianz suitable for prestige and high-net-worth homes?

Yes. When structured correctly through a specialist broker, Allianz can provide strong protection for premium homes, architectural residences and high-value contents.

Does Allianz cover waterfront or coastal homes?

Yes — subject to accurate valuations and underwriting assessment, Allianz can cover storm, wind, impact and environmental exposures common in coastal areas.

Can Allianz insure jewellery, artwork and valuables?

Allianz can be tailored for high-value contents with increased limits for jewellery, art and collections.

Is Allianz good for families with domestic staff or high household traffic?

Yes. Allianz liability cover can be enhanced to suit higher exposure households, including domestic staff.

Can Allianz protect multiple properties?

Absolutely — Allianz can cover investment properties, holiday homes and multi-property portfolios.

Luxsure partners with leading Australian insurers — including Chubb, CGU, Blue Zebra, Quantum, Prevail and Castle — to help protect high-value homes across Sydney’s Eastern Suburbs, Melbourne’s blue-chip neighbourhoods, Perth’s prestige coastal suburbs and Brisbane’s luxury residential areas. Our insurer panel supports tailored coverage for heritage properties, architect-designed homes, waterfront estates and large-scale renovations, ensuring homeowners receive specialist protection aligned with local risks, rebuild costs and 2025 property trends.