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High-value homes in Sydney, Melbourne, Brisbane, Perth & the Gold Coast face the biggest insurance shift in decades. Australia’s luxury home market is experiencing historic pressure  — soaring rebuild costs, tightening insurer appetites, escalating coastal risk, and premium surges across high-value postcodes. In 2025, prestige homeowners in areas like Vaucluse , Bellevue Hill , Toorak , Brighton , Teneriffe , Cottesloe and Dalkeith  now face the highest insurance vulnerabil

Across Australia, more properties are now being classified as flood-prone, high-risk, or hard-to-insure  — even in suburbs that have never flooded before .Insurers are tightening their underwriting, raising premiums, reducing coverage, and in many cases, declining flood-prone homes altogether . For homeowners in coastal, riverfront, low-lying and storm-affected regions , this has become one of the most frustrating challenges in the insurance market today. This can be especial

In today’s digital age, wealth isn’t just measured in property, assets or investments — it’s also measured in data, privacy, identity, and digital reputation .For high-net-worth individuals living in Australia’s most elite suburbs, cyber threats have become one of the fastest-growing personal risks . Whether you live in a prestige home in Vaucluse , Point Piper , Mosman , Bellevue Hill , Toorak , Brighton , Hawthorn, Dalkeith , City Beach , Peppermint Grove , Ascot , New Far

Owning fine art, antiques or rare collectibles is a genuine privilege — but protecting these high-value pieces requires far more than a standard home insurance policy.Across Australia’s prestige property markets, from Sydney to Melbourne , Perth to Brisbane , collectors are discovering that basic home cover is not enough  for irreplaceable assets. Whether you live in a luxury apartment, coastal estate, architectural home or a heritage property, your artwork, antiques and co

Every day across Australia — especially in high-value homes in Sydney’s Eastern Suburbs — accidents happen.A dropped laptop. Red wine on a wool carpet. A cracked stone benchtop. A DIY mishap gone wrong. What most homeowners don’t realise is this:👉 Standard home insurance does not  cover many of these everyday incidents. This is where Accidental Damage Cover  becomes essential — particularly for luxury homes in Vaucluse , Bellevue Hill , Rose Bay , Double Bay , Bondi , Bronte

Sydney’s Eastern Suburbs are home to Australia’s most valuable residential real estate — from the clifftop estates of Vaucluse  and Dover Heights , to the harbourfront mansions of Rose Bay , the heritage estates of Bellevue Hill , and the designer beachfront homes across Tamarama , Bondi , and Bronte . But in 2025, these suburbs are also at the highest insurance risk  in New South Wales.Coastal exposure, rising construction costs, waterfront volatility, and heritage rebuild r

Australia’s home insurance market is undergoing its biggest transformation in decades.Premiums in 2024–2025  have risen sharply across Sydney , Perth , Melbourne and Brisbane , with insurers warning that coastal, waterfront and architectural homes are now among the highest-risk residential properties in the country . For high-value homeowners in Vaucluse , Mosman , Dalkeith , City Beach , Toorak , Brighton and Bellevue Hill , this shift is even more dramatic — and often dan

Australia’s prestige property landscape is defined by some of the world’s most valuable residential suburbs. From the clifftop mansions of Vaucluse  and Point Piper , to the riverfront estates in Dalkeith , the coastal luxury homes of City Beach , and the grand family properties of Toorak  and Brighton , these locations represent the country’s highest concentration of high-net-worth homes. But these homes also face the highest exposure to risk — and standard home insurance si

Australia’s prestige property market has never been stronger. From Sydney Harbour’s clifftop estates  to the riverfront mansions of Perth’s Western Suburbs  and the tree-lined luxury homes of Toorak and Brighton , high-value homes continue to sell at record levels. But as luxury architecture becomes more complex and climate-related risks rise, many high-net-worth homeowners remain significantly underinsured without realising it . This is where specialist luxury home insuran

A luxury home showcasing its elegant architecture and landscaping. Australia’s prime property market is evolving faster than ever. From the waterfront estates of Vaucluse  and Mosman , to the architect-designed mansions of Toorak , City Beach , Ascot , Dalkeith , and Brighton , high-value properties demand a completely different level of protection than standard home insurance can provide. At Luxsure , we specialise exclusively in luxury home insurance  for Australia’s presti