Luxury Home Insurance Australia​​​​​

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​Bespoke protection for high-net-worth homes, lifestyles and assets

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Luxsure specialises exclusively in luxury home insurance for high-net-worth individuals across Australia. We work with leading private-client insurers to provide comprehensive, sophisticated protection for prestige homes, architectural residences, waterfront properties and high-value contents.

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If your home requires more than a standard insurer can offer, Luxsure provides the precision, confidentiality and tailored cover your lifestyle demands.

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Why High-Value Homes Need Specialist Insurance

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Luxury homes and high-net-worth households face risks that ordinary policies do not address.

Luxsure provides cover crafted specifically for premium properties:

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• Higher rebuild values for designer, architectural and custom-built homes

• Protection for valuable contents, jewellery, art, wine, collectibles and designer furnishings

• Liability protection for domestic staff, guests and complex lifestyle exposures

• Better claims support with dedicated specialist handlers

• Worldwide protection for valuables and personal items

• Multi-property portfolios, holiday homes and investment properties

• Enhanced risk management and security considerations

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A prestige home needs prestige insurance.

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Who Luxsure Works With

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Luxsure is trusted by discerning clients across Australia, including:

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• High-net-worth individuals and families

• Executives, public figures and entrepreneurs

• Family offices and private wealth groups

• Owners of architectural, coastal, luxury and prestige homes

• Investors with multi-property portfolios

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If you require precision, confidentiality and specialist underwriting, Luxsure is the right partner.

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What Luxsure Can Cover

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Comprehensive cover designed for premium assets:

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• Prestige homes & high-value apartments

• Coastal, waterfront and harbourside homes

• Modern architectural & designer-built residences

• Holiday homes & secondary residences

• High-value contents, jewellery, art & collections

• Domestic workers’ liability

• Personal liability for high-net-worth households

• Investment property & landlord cover

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Our Private-Client Process

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1. Assessment & Review

​We review your current policies, risk profile, properties and asset values.

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2. Bespoke Program Design

We design a luxury home insurance solution specifically tailored to your lifestyle.

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3. Placement & Ongoing Management

​We negotiate with specialist insurers, manage your cover and provide premium claims support.

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Areas Luxsure Serves Across Australia

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Luxsure supports clients in Australia’s most prestigious and high-value property regions, including:

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- Sydney, NSW

- Melbourne, VIC

- Brisbane, QLD
- Canberra, ACT
- Perth, WA
- Adelaide, SA
- Hobart, TAS
- Darwin, NT
- Gold Coast, QLD
- Sunshine Coast, QLD
- Noosa, QLD
- Byron Bay, NSW
- Newcastle, NSW
- Wollongong, NSW
- Mosman, NSW
- Vaucluse, NSW
- Double Bay, NSW
- Toorak, VIC
- Brighton, VIC
- Portsea, VIC
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❓ Luxury Home Insurance FAQs

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What is luxury home insurance?

​Luxury home insurance is a specialised policy designed to cover high-value homes, prestige contents and complex lifestyle risks that standard insurers don’t adequately protect.

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How much does luxury home insurance cost in Australia?

​Premiums vary depending on rebuild value, location, property type and high-value contents. Luxsure provides tailored pricing for each client.

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Do high-value homes need specialist insurance?

​Yes. High-net-worth homes require broader coverage, higher limits, fewer exclusions and specialist claims handling.

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Does Luxsure cover multiple properties?

​Absolutely. Many clients insure prestige homes, holiday homes and investment properties through a single, unified program.

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Can jewellery and artwork be insured?

​Yes—Luxsure can arrange worldwide cover for jewellery, artwork, collections and other high-value items.

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