Art & Jewellery Insurance Australia​

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Your art, jewellery, watches and private collections can represent some of the most valuable — and irreplaceable — assets you own.

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Luxsure Insurance helps individuals, families, private collectors and owners of high-value homes across Australia arrange specialist insurance for fine art, jewellery, engagement rings, luxury watches and valuable collections.

Whether you own a single diamond engagement ring, an important painting, a collection of Rolex watches or a multimillion-dollar portfolio of art and jewellery, Luxsure can help you explore insurance solutions appropriate to the value, location and way your assets are used.

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Specialist Art & Jewellery Insurance in Australia

Standard home and contents insurance can provide protection for personal possessions, but valuable art, jewellery and collections can require additional consideration.

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High-value assets can create unique insurance risks.

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A painting may appreciate substantially after purchase. An engagement ring may be worn every day and regularly leave the home. A luxury watch may travel internationally with its owner. A private collection may contain hundreds of individual assets spread across multiple residences.

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Art & Jewellery Insurance can help address these risks through insurance arrangements designed for valuable personal possessions.

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Luxsure can assist with insurance for:

• fine art

• paintings

• sculptures

• contemporary art

• jewellery

• diamond jewellery

• engagement rings

• wedding rings

• luxury watches

• jewellery collections

• art collections

• antiques

• collectibles

• other high-value personal possessions

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What Is Art & Jewellery Insurance?

Art & Jewellery Insurance is insurance designed to protect valuable personal assets against specified insured events.

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Depending on the insurer, policy and cover selected, protection may be available for risks such as:

• accidental loss

• accidental damage

• theft

• fire

• water damage

• physical damage

• loss away from home

• worldwide exposure

• transit

• storage

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Specialist policies may also provide features designed specifically for valuable collections.

The exact coverage varies between insurers, which is why understanding the policy wording, insured values, limits and exclusions is essential.

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Why Consider Specialist Insurance for Art & Jewellery?

Art and jewellery are fundamentally different from many ordinary household possessions.

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A sofa or television can generally be replaced with a similar new item.

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A rare painting, inherited diamond ring or discontinued luxury watch may be considerably more complicated.

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Important considerations can include:

• rarity

• provenance

• artist or designer

• current market value

• replacement cost

• appreciation in value

• worldwide use

• portability

• security

• restoration

• valuation documentation

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As values increase, specialist insurance can become increasingly important.

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Jewellery Insurance Australia

Jewellery can represent substantial financial and sentimental value.

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Luxsure can assist clients seeking insurance for:

• diamond rings

• engagement rings

• wedding rings

• necklaces

• bracelets

• earrings

• gemstones

• pearls

• antique jewellery

• inherited jewellery

• designer jewellery

• high-value jewellery collections

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Jewellery may be insured within an appropriate home and contents policy or through specialist valuables arrangements, depending on the insurer and circumstances.

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High-value pieces may need to be individually specified rather than relying on standard jewellery limits.

For more detailed information, see our dedicated Jewellery Insurance Australia page.

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Fine Art Insurance Australia

Fine art can require specialist consideration because artworks may be unique, difficult to replace and capable of changing significantly in value.

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Luxsure can assist with insurance enquiries involving:

• paintings

• sculptures

• photography

• works on paper

• contemporary art

• Australian art

• international art

• limited editions

• valuable decorative art

• private collections

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Important insurance considerations can include valuations, transit, storage, restoration, security and changing market values.

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For more information, see our dedicated Fine Art Insurance Australia page.

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Engagement Ring Insurance Australia

An engagement ring is unusual because it can combine significant value with constant everyday use.

A valuable engagement ring may leave the home every day and travel with its owner throughout Australia and overseas.

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Owners should consider:

• individual item limits

• specified valuables requirements

• accidental loss

• accidental damage

• theft

• cover away from home

• overseas cover

• valuation requirements

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A $50,000 engagement ring presents a substantially different insurance exposure from ordinary household jewellery.

Luxsure can assist clients seeking insurance for valuable diamond and engagement rings.

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Luxury Watch Insurance Australia

Luxury watches can represent significant portable wealth.

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Luxsure can assist with insurance enquiries involving watches from manufacturers such as:

• Rolex

• Patek Philippe

• Audemars Piguet

• Richard Mille

• Vacheron Constantin

• Cartier

• Omega

• Jaeger-LeCoultre

• IWC

• Breitling

• Tudor

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Luxury watches may require specific valuations and individual specification depending on their value and the insurer.

Collectors should also consider whether watches are appropriately insured when worn away from home or overseas.

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Rolex Insurance Australia

Rolex watches can have significant replacement and secondary-market values.

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When considering insurance for a Rolex, relevant information can include:

• model

• reference number

• serial information

• purchase price

• current value

• valuation

• box and papers

• photographs

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Owners should understand how their particular policy determines the insured value and how it responds if the watch is lost, stolen or damaged.

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Art Collection Insurance

Private art collections can range from several important paintings to multimillion-dollar collections assembled over decades.

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As collections grow, insurance considerations can include:

• individual artwork values

• total collection value

• newly acquired works

• market-value changes

• storage

• transit

• exhibitions

• restoration

• security

• multiple residences

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Luxsure can help private collectors consider their fine art as part of a broader high-value household insurance strategy.

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Jewellery Collection Insurance

A jewellery collection may contain substantial value even where no individual piece dominates the collection.

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For example, a collection may contain:

• engagement rings

• diamond jewellery

• necklaces

• bracelets

• earrings

• inherited pieces

• designer jewellery

• gemstones

• luxury watches

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The total collection value should be considered alongside the value of individual pieces.

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Luxury Watch Collection Insurance

Serious watch collectors can accumulate collections worth hundreds of thousands or millions of dollars.

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Insurance considerations can include:

• individual watch values

• total collection value

• safe storage

• alarms

• valuations

• watches regularly worn

• overseas travel

• newly acquired watches

• multiple residences

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Luxsure can assist collectors seeking insurance solutions for high-value watch portfolios.

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Insurance for High-Value Art & Jewellery

Luxsure can assist with insurance enquiries involving high-value assets and collections, including values of:

• $50,000+

• $100,000+

• $250,000+

• $500,000+

• $1 million+

• multimillion-dollar collections

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As values increase, insurers may require more detailed underwriting.

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This can include information about valuations, security, storage, alarms, safes, claims history and how frequently valuable items leave the home.

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Art & Jewellery Insurance for High-Net-Worth Individuals

High-net-worth individuals often have insurance requirements extending well beyond ordinary household contents.

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A high-value household may own:

• luxury residential property

• fine art

• jewellery

• engagement rings

• watches

• antiques

• collectibles

• designer furniture

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These assets can collectively represent millions of dollars.

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Rather than considering each item separately, a specialist high-value insurance strategy can help assess the household's complete exposure.

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Art & Jewellery Insurance for Luxury Homes

Owners of luxury homes can hold substantial value inside their properties.

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For example, a household might contain:

• $250,000 of jewellery

• $300,000 of watches

• $1 million of fine art

• $150,000 of antiques and collectibles

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That represents $1.7 million of valuable assets in addition to ordinary contents.

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Luxsure specialises in high-value home insurance and can help clients consider:

Luxury Home + Contents + Fine Art + Jewellery + Watches + Collections

as part of a coordinated insurance strategy.

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Does Home Insurance Cover Art & Jewellery?

Home and contents insurance can provide cover for art, jewellery and other valuable possessions.

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However, policy limits and conditions can apply.

Owners should check:

• individual item limits

• jewellery sub-limits

• art limits

• collection limits

• specified-item requirements

• accidental damage

• accidental loss

• cover away from home

• worldwide cover

• valuation requirements

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The existence of a contents policy does not necessarily mean every valuable possession is insured for its full value in every circumstance.

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Specified Valuables Insurance

High-value assets may need to be individually identified or specified on an insurance policy.

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This can be particularly relevant for:

• expensive engagement rings

• diamond jewellery

• luxury watches

• important paintings

• high-value sculptures

• rare collectibles

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For example, an insurance schedule might separately identify a $75,000 diamond engagement ring or a $150,000 painting.

This helps clearly establish the item and its insured value, subject to the policy terms.

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Art & Jewellery Insurance for Accidental Loss

Accidental loss is particularly important for portable valuables.

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Jewellery and watches can be lost while:

• working

• shopping

• exercising

• dining out

• travelling

• attending events

• staying in hotels

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Whether accidental loss is covered depends on the policy.

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Owners should specifically check whether cover applies away from their residence.

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Art & Jewellery Insurance for Accidental Damage

Valuable possessions can be damaged unexpectedly.

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Examples can include:

• a painting falling from a wall

• a sculpture being knocked over

• a diamond ring being damaged

• a watch suffering accidental impact

• an artwork being damaged during handling

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Specialist insurance can provide cover for certain accidental damage events, depending on the policy.

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Art & Jewellery Insurance for Theft

Theft is an important exposure for valuable personal assets.

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Insurers may consider:

• property security

• monitored alarms

• safes

• strongrooms

• item values

• total collection values

• residential location

• claims history

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Security requirements can become more stringent as the value of the collection increases.

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Worldwide Art & Jewellery Insurance

Jewellery and watches frequently travel with their owners.

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For high-value portable possessions, it is important to understand whether insurance applies:

• throughout Australia

• overseas

• while travelling

• while staying in hotels

• while temporarily away from home

Worldwide coverage varies between policies.

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Owners should check geographic limits, maximum overseas periods and any applicable security requirements before travelling.

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Art Insurance in Transit

Fine art can be particularly vulnerable while being transported.

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An artwork may be moved:

• from a gallery to a residence

• between homes

• into storage

• to an auction house

• to an exhibition

• to a restorer

• interstate

• internationally

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Collectors should determine whether their policy includes transit protection and whether specialist arrangements are required for particularly valuable works.

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Art & Jewellery Insurance While in Storage

Valuable assets may occasionally need to be stored away from the primary residence.

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This can occur during:

• renovations

• relocation

• extended travel

• property sales

• collection rotation

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Collectors should inform their insurer where significant assets are stored and understand any security or storage requirements.

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Art & Jewellery Valuations for Insurance

Current valuations can be an important component of insuring valuable possessions.

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Fine-art documentation may include:

• artist

• title

• medium

• dimensions

• provenance

• current value

Jewellery documentation may include:

• gemstones

• diamonds

• precious metals

• designer

• replacement value

Luxury-watch documentation may include:

• manufacturer

• model

• reference

• serial number

• condition

• current value

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Purchase invoices, photographs, certificates and previous insurance schedules can also be useful.

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How Often Should Art & Jewellery Be Revalued?

Values can change.

Fine art may appreciate as an artist becomes more sought after.

Jewellery replacement values can change because of movements in diamonds, gemstones, precious metals, labour and exchange rates.

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Luxury-watch values can change because of scarcity, demand and manufacturer pricing.

Collectors should periodically review significant assets and follow their insurer's valuation requirements.

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Underinsurance of Art & Jewellery

Underinsurance can become a significant issue where asset values increase but insurance schedules remain unchanged.

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For example:

An artwork purchased for $100,000 may later be worth substantially more.

A luxury watch bought several years ago may have a different replacement value today.

A jewellery collection may grow gradually until its total value substantially exceeds the amount originally insured.

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Regular insurance reviews can help identify these gaps.

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Newly Acquired Art, Jewellery & Watches

Collectors frequently acquire new pieces.

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After purchasing a valuable item, consider:

• when insurance begins

• whether automatic temporary cover applies

• applicable limits

• notification requirements

• valuation requirements

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Do not assume a newly acquired $100,000 artwork or watch is automatically covered indefinitely simply because an existing collection is insured.

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Art & Jewellery Insurance for Multiple Homes

High-net-worth clients may keep collections across several properties.

These can include:

• principal residence

• holiday home

• coastal property

• interstate residence

• overseas residence

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Significant assets should be appropriately allocated to their actual locations.

Luxsure can help clients consider valuable assets across multiple residences as part of a broader high-value insurance strategy.

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Art & Jewellery Insurance Sydney

Luxsure Insurance assists clients throughout Sydney seeking insurance for valuable art, jewellery, watches and private collections.

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We can assist clients across:

• Sydney CBD

• Eastern Suburbs

• Lower North Shore

• Upper North Shore

• Northern Beaches

• Inner West

• Western Sydney

• South Sydney

• St George

• Sutherland Shire

• Greater Sydney

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Sydney contains many of Australia's highest-value residential markets and a substantial community of art collectors and owners of luxury personal assets.

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Art & Jewellery Insurance Eastern Suburbs Sydney

Luxsure can assist clients throughout Sydney's Eastern Suburbs, including:

• Point Piper

• Vaucluse

• Bellevue Hill

• Double Bay

• Woollahra

• Rose Bay

• Dover Heights

• Bondi

• Bronte

• Tamarama

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High-value households in these areas may own substantial fine-art, jewellery and watch collections.

Luxsure can help assess these assets alongside high-value home and contents insurance.

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Art & Jewellery Insurance North Shore Sydney

Luxsure can assist clients across Sydney's Lower and Upper North Shore, including:

• Mosman

• Cremorne

• Neutral Bay

• Kirribilli

• North Sydney

• Killara

• Pymble

• Turramurra

• Wahroonga

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Owners of significant collections should periodically review both individual-item values and overall collection values.

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Art & Jewellery Insurance Northern Beaches

Luxsure can assist clients throughout Sydney's Northern Beaches, including:

• Manly

• Balgowlah

• Freshwater

• Collaroy

• Newport

• Avalon

• Palm Beach

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For valuable jewellery and watches regularly taken away from the residence, portable and worldwide protection should be considered alongside cover for art and collections kept at home.

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Art & Jewellery Insurance Melbourne

Luxsure can assist clients throughout Melbourne and Victoria with insurance enquiries involving fine art, jewellery, watches and valuable private collections.

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Whether you own one important artwork or a substantial collection, insurance should reflect current values, security, storage and how the assets are used.

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Art & Jewellery Insurance Brisbane

Luxsure can assist clients throughout Brisbane and Queensland seeking insurance for valuable art, jewellery and collections.

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High-value assets should be assessed according to their individual values and the overall household exposure.

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Art & Jewellery Insurance Perth

Luxsure can assist clients throughout Perth and Western Australia with Art & Jewellery Insurance enquiries.

Owners should consider valuation accuracy, individual-item limits, security, transit and worldwide exposure when arranging cover.

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Art & Jewellery Insurance Adelaide

Luxsure can assist clients throughout Adelaide and South Australia seeking insurance for fine art, jewellery, luxury watches and other high-value personal possessions.

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The appropriate insurance solution depends on the nature, value and use of the collection.

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Art & Jewellery Insurance Australia-Wide

Luxsure Insurance can assist with Art & Jewellery Insurance enquiries throughout:

• New South Wales

• Victoria

• Queensland

• Western Australia

• South Australia

• Tasmania

• Australian Capital Territory

• Northern Territory

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Whether you're protecting a single valuable possession or a multimillion-dollar collection, Luxsure can help you explore insurance options appropriate to your circumstances.

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Why Choose Luxsure for Art & Jewellery Insurance?

High-value assets can require a more specialised approach than ordinary household contents.

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Luxsure Insurance can help clients:

• identify high-value assets

• assess individual-item limits

• review collection values

• consider specialist insurance options

• understand specified valuables

• review valuations

• assess accidental loss and damage

• consider theft protection

• assess worldwide exposure

• consider transit and storage

• review security requirements

• coordinate multiple residences

• insure valuables alongside luxury homes

• review cover as collections grow and values change

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Our focus is on helping clients arrange insurance that reflects the valuable assets they actually own.

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Explore Our Art & Jewellery Insurance Services

For more detailed information, explore our specialist insurance pages:

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Jewellery Insurance Australia
Insurance for diamond jewellery, engagement rings, designer jewellery, inherited pieces and valuable jewellery collections.

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Fine Art Insurance Australia
Insurance for paintings, sculptures, contemporary art and valuable private art collections.

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Engagement Ring & Luxury Watch Insurance
Insurance for valuable diamond rings, Rolex, Patek Philippe, Audemars Piguet and other luxury timepieces.

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Art & Jewellery Collection Insurance
Insurance for substantial private collections of art, jewellery, watches, antiques and other high-value assets.

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Get an Art & Jewellery Insurance Quote

If you're looking for Art & Jewellery Insurance in Australia, Luxsure Insurance can help.

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We assist individuals, families, collectors, high-net-worth clients and owners of luxury homes seeking insurance for fine art, jewellery, engagement rings, luxury watches and valuable private collections.

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Whether you're protecting a $50,000 engagement ring, a $100,000 Rolex, a $500,000 art collection or several million dollars of art and valuables, Luxsure can help you explore insurance options appropriate to your circumstances.

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Speak with Luxsure Insurance about protecting your art, jewellery, watches and other valuable possessions.

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Art & Jewellery Insurance Australia FAQs

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What is Art & Jewellery Insurance?

Art & Jewellery Insurance is insurance designed to protect valuable artworks, jewellery, watches and collections against specified insured events. The exact protection depends on the insurer, policy, limits and exclusions.

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Does home insurance cover art and jewellery?

It can. However, individual-item limits, jewellery limits and other conditions may apply. Valuable items may need to be specifically listed or insured under a specialist valuables arrangement.

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Do I need separate insurance for expensive jewellery?

Not necessarily. Some high-value jewellery can be insured under an appropriate premium home and contents policy. The correct approach depends on the item's value and required coverage.

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Can I insure an engagement ring worth $50,000 or $100,000?

Potentially, subject to insurer underwriting. Valuable engagement rings may require current valuations, individual specification and other supporting information.

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Can I insure a Rolex or other luxury watch?

Potentially. Rolex, Patek Philippe, Audemars Piguet and other high-value watches can be considered under specialist valuables or high-value household insurance arrangements, subject to underwriting.

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Can I insure a valuable art collection?

Potentially. Specialist insurance markets can accommodate substantial private art collections, subject to valuations, security, insurer appetite and other underwriting requirements.

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Is art and jewellery covered outside my home?

This depends on the policy. Portable valuables may require specific cover for loss, theft or damage away from the insured residence.

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Is my jewellery or watch insured overseas?

Some policies can provide worldwide protection subject to limits, conditions and geographic restrictions. The actual policy should be reviewed before travelling.

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Can fine art be insured while being transported?

Some specialist fine-art policies can include transit cover. Separate specialist transit insurance may also be appropriate in certain circumstances.

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Do I need valuations for art and jewellery?

Insurers may require valuations or other evidence of value for high-value assets. Keeping valuations, invoices, photographs and relevant certificates can also assist with documentation.

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How much does Art & Jewellery Insurance cost in Australia?

There is no universal price. Premiums can depend on asset values, location, security, claims history, individual-item values, worldwide exposure and the scope of cover selected.

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Can I insure art, jewellery and watches together?

Depending on the insurer and policy, multiple categories of valuable possessions may be insured as part of a broader high-value home and contents or valuable-collections arrangement.

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Can Luxsure assist with multimillion-dollar collections?

Luxsure can assist with insurance enquiries involving substantial collections of fine art, jewellery, watches and other valuables, subject to insurer availability, underwriting and policy terms.

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Does Luxsure provide Art & Jewellery Insurance across Australia?

Luxsure can assist with Art & Jewellery Insurance enquiries across Australia, including Sydney, Melbourne, Brisbane, Perth, Adelaide and other locations, subject to insurer availability and underwriting.