Does CGU cover coastal or near-water properties?

CGU can insure coastal and near-water homes, including storm, wind and environmental damage, subject to underwriting criteria and accurate valuations.

Is CGU appropriate for architect-designed or renovated homes?

CGU is often a strong option for architect-designed, renovated and modern prestige homes requiring higher sums insured and broader cover.

Does CGU support multi-property insurance portfolios?

Yes. CGU can insure multiple prestige homes, investment properties and holiday residences under a single, broker-managed program.

Luxury Home Insurance – CGU (Australia)

Q: Is CGU suitable for high-value homes?

Yes. CGU is well suited to high-value and prestige homes, especially when cover is structured through a specialist broker like Luxsure.

Q: Can CGU insure jewellery and high-value contents?

Yes. CGU policies can be tailored with higher limits for jewellery, artwork, collectibles and other high-value contents.

High-value protection for prestige homes, architectural residences & luxury contents.

CGU is one of Australia’s most established and versatile insurers, offering strong, broad and dependable coverage for high-value homes when placed through a specialist broker. With a reputation for stability, wide underwriting capability and competitive premium structures, CGU is a powerful option for prestige homeowners seeking comprehensive protection without the limitations of retail home insurance.

Luxsure works directly with CGU to design bespoke luxury home insurance programs tailored for high-value homes, modern architectural builds, coastal residences, multi-storey prestige properties and families with significant contents and lifestyle risks.

If your home requires dependable, flexible and premium-level protection, CGU is a smart and widely trusted choice.

Why High-Value Homes Choose CGU

CGU stands out for its ability to underwrite large, complex and high-value properties across Australia’s prestige markets.

✓ Strong High-Value Home Appetite

CGU supports large and high-value homes with:
• Architectural and designer-built structures
• Imported materials & specialist craftsmanship
• Multi-level construction
• High-end renovations & luxury rebuilds
• Significant rebuild sums insured

✓ Excellent Coastal & Storm Risk Coverage

CGU is known for its capability in insuring homes exposed to:
• Salt corrosion
• Storm and wind vulnerability
• Surge and severe weather events
• Moisture and environmental wear
• Coastal engineering & reinforcing requirements

This makes it strong for NSW, QLD and WA coastal prestige belts.

✓ High-Value Contents & Valuables Cover

CGU provides excellent contents flexibility, supporting:
• Jewellery & watches
• Art & sculptures
• Antiques & collections
• Designer interiors & furniture
• Luxury electronics
• High-end home automation systems

✓ Broad Liability Extensions

CGU supports high-net-worth lifestyles with strong liability cover:
• Domestic staff
• Occupiers liability
• Guest and visitor exposure
• Multi-property legal liability
• High-profile households

✓ Trusted, Long-Established Claims Handling

CGU is known for its large-scale claims capability, stability and strong national presence — vital for prestige homeowners wanting reliability.

What CGU + Luxsure Cover

Prestige Home Protection

• Luxury homes in premium suburbs
• Architectural and designer residences
• Modern rebuilds & extensive renovations
• Multi-level homes with complex engineering
• Coastal & waterfront homes
• High-value suburban family homes
• Luxury pools, spas & outdoor entertainment zones
• Premium landscaping, stonework & retaining structures

High-Value Contents Cover

• Jewellery & watches (optional increased limits)
• Art & collectibles
• Designer interiors & furnishings
• High-end electronics & automation
• Valuable personal property

Optional Worldwide Valuables Cover

• Jewellery & watches when travelling
• Portable high-value items
• International personal effects

Investment & Multi-Property Protection

• Prestige rental properties
• High-end landlord cover
• Holiday homes & secondary residences
• Multi-property or multi-family portfolios

Who CGU Is Best For

CGU is ideal for homeowners seeking robust, broad, mainstream-supported luxury home insurance without private-client pricing, including owners of:

• High-value suburban luxury homes
• Architectural modern builds
• Designer-renovated residences
• Two-three-storey prestige homes
• Coastal and semi-coastal high-value properties
• Homes with high-value contents and valuables
• Multiple properties and investment portfolios
• Large family homes with high household exposure

CGU’s underwriting strength makes it one of the most stable options for homes in the $1.5M–$10M range.

Areas Served

CGU luxury home insurance through Luxsure is available across Australia’s most sought-after prestige suburbs:

NSW Premium Suburbs

Vaucluse, Bellevue Hill, Double Bay, Rose Bay, Point Piper, Woollahra, Bronte, Tamarama, Bondi, Mosman, Manly, Balgowlah, Hunters Hill, Longueville, St Ives, Wahroonga.

Victoria Prestige Belt

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

Queensland High-End Areas

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

Western Australia (Perth Western Suburbs)

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

South Australia (Adelaide Prestige)

Unley Park, Medindie, Walkerville, Erindale, Malvern.

Our Private-Client CGU Process

1. In-Depth Risk Review

We evaluate rebuild requirements, exposure, architectural complexity, materials and contents valuations.

2. Tailored CGU Program Design

Your coverage is built to match your home — high-value, coastal or architectural.

3. Underwriter Negotiation

We secure the most comprehensive CGU terms available for your risk profile.

4. Ongoing Adjustments & Claims Management

We handle portfolio updates, valuations and high-touch claims support.

Why Luxury Homeowners Choose CGU Through Luxsure

• Strong underwriting capability
• Excellent for high-value suburban and architectural homes
• Broad, dependable policy wording
• Competitive pricing for premium homes
• Strong national claims capability
• Fewer exclusions than retail insurers
• Flexible tailoring through Luxsure
• Reliable option for complex or high-exposure homes

CGU offers dependable, broad and stable protection — Luxsure ensures your policy is tailored correctly for your property.

CGU Luxury Home Insurance – FAQs

Is CGU suitable for high-value homes?

Yes. CGU is excellent for prestige homes, modern builds and major renovations.

Does CGU cover coastal homes?

Yes — CGU provides strong cover for storm, wind, salt and environmental damage.

Can CGU insure jewellery and high-value contents?

Yes. Limits can be tailored and increased for luxury items.

Is CGU good for architect-designed homes?

Yes — CGU is strong for modern architectural builds and designer renovations.

Does CGU support multi-property portfolios?

Absolutely. CGU can insure investment homes, luxury rentals and secondary residences.

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

Luxury Home Insurance – CGU (Australia)​​​

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