Does Blue Zebra cover coastal or near-water homes?

Yes. Blue Zebra can insure coastal and near-water homes, including risks such as storm, wind, salt exposure and moisture impact.

Is Blue Zebra suitable for architectural or designer homes?

Often yes. Blue Zebra is ideal for modern, renovated and designer-built homes, depending on rebuild values and construction complexity.

Does Blue Zebra support multi-property insurance portfolios?

Yes. Blue Zebra can cover multiple prestige homes, investment properties and holiday residences under a single managed program.

Luxury Home Insurance – Blue Zebra (Australia)

Q: Is Blue Zebra suitable for high-value homes?

Yes. Blue Zebra is strong for prestige homes, architectural properties, modern rebuilds and high-value contents when structured through Luxsure.

Q: Can Blue Zebra insure jewellery and high-value contents?

Blue Zebra policies can be tailored with increased limits for jewellery, watches, fine art, collectibles and luxury furniture.

Flexible, modern insurance solutions for high-value homes, prestige properties and complex household risks.

Blue Zebra (BZI) is one of Australia’s most innovative and adaptive home insurers — offering flexible, broad and modern cover that can be tailored for high-value homes when placed through a specialist broker. Known for strong underwriting capability, competitive pricing and responsive claims management, Blue Zebra is particularly well-suited for prestige suburban homes, modern architectural builds, high-value renovations, family estates and multi-property portfolios.

Luxsure partners with Blue Zebra to deliver premium, customised home insurance programs designed for homeowners who need deeper protection, higher limits and modern risk management — without the restrictions of traditional one-size-fits-all policies.

If your home requires flexible, accurate and powerful insurance cover, Blue Zebra is an excellent fit.

Why Prestige Homeowners Choose Blue Zebra

Blue Zebra offers a strong balance of coverage depth, flexibility and pricing, making it ideal for high-value homes that need broad protection but do not require ultra-high-net-worth underwriting.

✓ High Rebuild Value Support

Blue Zebra policies can be designed to support:
• Architectural residences
• Large prestige family homes
• High-end renovations
• Modern rebuilds
• Designer interiors & imported materials
• Multi-level homes requiring specialist construction

✓ Broad, Flexible Coverage Structure

Blue Zebra is known for underwriting flexibility, including:
• Fewer exclusions than retail policies
• Ability to tailor sums insured accurately
• Strong accidental damage options
• Extended benefits for premium homes

✓ Coastal & Environmental Risk Capability

Suitable for homes exposed to:
• Storms & strong wind conditions
• Salt & moisture impact
• Coastal weathering
• Marine spray & corrosion
• Elevated / sloping land issues

Perfect for near-water and high-exposure prestige suburbs.

✓ High-Value Contents & Valuables Options

Blue Zebra can be structured to cover:
• Jewellery & luxury accessories
• Art & sculptures
• Designer furniture
• High-end technology & automation
• Collectible items

✓ Strong Liability Extensions

Ideal for modern, active luxury households requiring:
• Domestic staff liability
• Guest & visitor protection
• Legal liability extensions
• Coverage for multiple family members

✓ Fast, Modern Claims Handling

Blue Zebra is known for responsiveness, transparency and speed — supported by digital systems and efficient customer service.

What Blue Zebra + Luxsure Cover

Prestige Home Protection

• High-value prestige homes
• Architectural modern builds
• Designer renovations
• Multi-level homes
• Large family residences
• New construction with premium materials
• Heritage & character homes (case-by-case)
• Luxury pools, decks & outdoor entertainment areas

Contents & Valuables

• High-value contents
• Technology & premium appliances
• Jewellery & watches (optional increased limits)
• Designer furnishings
• Collectibles & long-term assets

Optional Worldwide Cover

• Jewellery & portable valuables
• Personal items while travelling
• Electronics, watches & luxury accessories

Investment & Portfolio Homes

• Prestige investment properties
• Short-stay occupancy
• High-end landlord coverage
• Multi-property portfolio programs

Who Blue Zebra Is Best For

Blue Zebra is ideal for homeowners who want premium coverage without private-client pricing, including:

• High-value suburban homes
• Prestige family residences
• Architectural renovations
• Modern rebuilds
• Semi-coastal or elevated properties
• Homes with designer interiors
• Multi-property families and investors
• Households with domestic staff or frequent guests

It is especially strong for homes valued between $1.5M–$8M.

Areas Served

Blue Zebra luxury home insurance through Luxsure is available in Australia’s most prestigious property markets:

NSW Premium Suburbs

Vaucluse, Bellevue Hill, Rose Bay, Double Bay, Woollahra, Bondi, Tamarama, Bronte, Dover Heights, Mosman, Cremorne, Balgowlah, Seaforth, Manly, Hunters Hill, Lane Cove, Wahroonga, St Ives.

Victoria Premium Suburbs

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

Queensland Prestige Areas

Teneriffe, New Farm, Hamilton, Ascot, Chandler, Sunshine Beach, Noosa Heads, Mermaid Beach, Broadbeach Waters.

Western Australia (Perth Western Suburbs)

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

South Australia (Adelaide Prestige)

Unley Park, Medindie, Malvern, Erindale, Walkerville.

Our Private-Client Blue Zebra Process

1. Home & Lifestyle Risk Analysis

We review rebuild values, construction materials, coastal exposure, contents value and household risks.

2. Bespoke Blue Zebra Policy Design

We tailor sums insured, coverage limits and optional inclusions for true accuracy.

3. Optimal Underwriter Placement

We negotiate directly with Blue Zebra to secure broader terms and flexible protection options.

4. Ongoing Management & Claims Support

Luxsure handles adjustments, updates and private-client claims support as needed.

Why Luxury Homeowners Use Blue Zebra Through Luxsure

• Flexible, broad underwriting
• Strong rebuild value capabilities
• Coastal and near-water capability
• Affordable premiums for high-value homes
• Strong digital claims tools
• Better coverage options than retail insurers
• Private-client service delivered by Luxsure
• Multi-property portfolio support

Blue Zebra provides modern capability — Luxsure ensures it is structured for maximum protection.

Blue Zebra Luxury Home Insurance – FAQs

Is Blue Zebra suitable for high-value homes?

Yes — Blue Zebra is strong for prestige homes, modern rebuilds and designer residences.

Does Blue Zebra cover coastal or near-water properties?

Yes, including storm, wind and environmental risks.

Can Blue Zebra insure jewellery and high-value contents?

Yes — optional increased limits are available.

Is Blue Zebra good for architectural homes?

Case-by-case, but often yes — especially modern rebuilds and renovations.

Does Blue Zebra support multi-property portfolios?

Yes — including luxury investments and secondary homes.

Luxsure partners with leading Australian insurers — including Chubb, Allianz, CGU, 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.