Luxury Home Insurance – Castle (Australia)

Name: Castle Luxury Home Insurance
Brand: Castle

Specialist cover for prestige homes, architectural residences & high-value contents.

Castle is a specialist home insurer focused on high-quality, flexible residential cover — making it a strong option for prestige homes, architectural properties, renovated residences and high-value contents when structured through a broker. With a focus on modern underwriting, practical coverage and responsive claims, Castle is well suited to homeowners who want solid, dependable protection for valuable homes without the friction of restrictive retail policies.

Luxsure partners with Castle to design tailored luxury home insurance programs for owners of high-value Australian homes — including prestige family houses, architect-designed properties, coastal residences and premium investment homes.

If your home is worth more, built better and fitted with premium materials, Castle can be an excellent part of your luxury insurance strategy.

Why High-Value Homes Use Castle

Castle shines where homeowners need strong, flexible cover for valuable homes but don’t necessarily need ultra-high-net-worth tier insurers.

High Rebuild Value Capability

Castle can be structured to support higher rebuild costs for:

Large prestige homes
Architect-designed dwellings
Modern renovations & rebuilds
Multi-level homes with complex construction
Premium imported materials and finishe

Broad, Practical Cover for Real-World Risks

With Castle, policies can include:

Accidental damage as standard or optional
Escape of liquid, storm, impact and fire cover
Protection for high-end appliances & systems
Cover for garages, studios, home offices & outbuildings

Strong Fit for “Nice But Not Ultra-Exotic” Luxury

Castle is perfect for homes that are:

High-value, but not $30M trophy assets
Architecturally interesting, but not hyper-experimental
Suburb prestige, coastal, inner-city or family estates

Contents & Valuables Flexibility

Castle policies can be tailored to cover:

Jewellery & watches (with increased limits if required)
Artwork, sculptures & antiques
Designer furniture & curated interiors
Premium home electronics & automation

Liability & Lifestyle Cover

Castle supports:

Domestic staff & contractor liability
Guest & visitor accidents
Personal legal liability for the household
Higher-activity family homes with more foot traffic

What Castle + Luxsure Can Cover

Property – Prestige Home Protection

Castle can be used to insure:

High-value suburban family homes
Architectural and designer-built houses
Extensively renovated prestige properties
Multi-storey modern homes
Semi-coastal or elevated homes
Heritage and character homes (case-by-case)
High-end outdoor areas: pools, decks, pavilions, landscaping

Contents – High-Value Personal Assets

Castle supports:

High-value general contents
Jewellery & watches (specified or with increased limits)
Fine art, décor & collectibles
Designer furnishings & textiles
High-end technology, sound systems & home automation

Optional – Valuables & Portable Cover

Jewellery & watches away from home
Laptops, devices and personal items
Items taken travelling or interstate

Investment & Multi-Property

Castle can also be used to insure:

Prestige rental properties
Secondary residences
Small multi-property portfolios
Holiday homes & city pads

Who Castle Is Best Suited For

Castle is ideal for homeowners who want strong, sensible, premium cover for valuable homes, including:

High-value family homes in blue-chip suburbs
Renovated federation, terrace or character homes
Contemporary architect-designed dwellings
Semi-coastal prestige properties
Homes with high-end interiors & contents
Investors with one or several prestige rentals

A great fit for homes typically in the $1.2M–$6M+ range, depending on location.

Areas Served

Castle luxury home insurance through Luxsure is available across Australia’s key prestige markets:

New South Wales – Premium Sydney Suburbs

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

Victoria – Melbourne Prestige Suburbs

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

Queensland – Brisbane & Coastal High-Value Areas

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

Western Australia – Perth Prestige Belt

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

South Australia – Adelaide Premium Suburbs

Unley Park, Medindie, Walkerville, Malvern, Erindale, Toorak Gardens.

Our Private-Client Process (Castle x Luxsure)

Detailed Risk & Property Review

We review rebuild value, construction quality, suburb risk, coastal exposure (if any), and contents profile.

Tailored Castle Policy Structure

We design a Castle home policy that matches your actual risk:

Correct sums insured
The right accidental damage settings
Adequate limits for special contents
Extras appropriate to your property and lifestyle

Placement & Negotiation

We work with Castle to obtain the most favourable terms, conditions and coverage breadth for your profile.

Ongoing Support & Claims Help

We handle changes, renewals, valuations and support you during claims as your private-client broker.

Why Luxury Homeowners Use Castle Through Luxsure

Strong, practical home insurance for high-value properties
Competitive premium vs. coverage balance
Flexible contents and accidental damage options
Backed and managed by a specialist luxury broker
Ideal stepping stone between “retail basic” and “ultra-HNW private client”
Great for families moving from standard insurers into something stronger

Castle delivers modern, capable protection — Luxsure ensures it’s set up precisely for your home.

Castle Luxury Home Insurance – FAQs

Is Castle suitable for high-value homes?

Yes. Castle is suitable for many prestige homes, especially high-value suburban and renovated properties.

Does Castle cover architect-designed or renovated homes?

Yes — Castle can be used for architect-designed and modern renovated homes, depending on location, build and sums insured.

Can Castle insure jewellery, art and other valuables?

Yes. Policies can be structured with higher limits and specified items where necessary.

Is Castle good for coastal or near-water homes?

In many cases, yes — particularly semi-coastal and near-water homes, subject to underwriting criteria.

Can Castle cover more than one home?

Yes. Castle can be used as part of a multi-property portfolio, including holiday houses and investment properties.

Luxsure partners with leading Australian insurers — including Chubb, Allianz, CGU, Blue Zebra, Quantum and Prevail — 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.