top of page

High-Value Contents, Art & Jewellery Insurance – Australia

​

Specialist protection for luxury contents, fine art, jewellery, watches, collections & designer interiors

​

High-net-worth households often own assets that far exceed the limits of standard contents insurance. Fine art, luxury jewellery, high-end furnishings, rare collectibles and designer interiors require specialist protection, precise valuation and worldwide coverage.

​

Luxsure provides bespoke high-value contents insurance designed specifically for:

  • Fine art and sculptures

  • Jewellery, watches & luxury timepieces

  • Designer furniture and premium interiors

  • Antiques and heirlooms

  • High-end technology & entertainment systems

  • Wine cellars & rare collections

  • Fashion collections & couture

  • Musical instruments & specialty items

​

Your home is extraordinary — your contents insurance must be too.

​

Why High-Value Contents Need Specialist Luxury Insurance

​

Prestige homes often contain assets valued in the hundreds of thousands — or millions — which standard policies cannot replace accurately.

Luxsure solves this with specialist private-client cover.

​

1. Standard Insurers Have Low Limits

Retail insurers typically cap:

  • Jewellery at $5k–$20k

  • Art at $10k–$50k total

  • Watches at $2k–$5k per item

  • Designer furniture at basic replacement value

​

These limits are not remotely adequate for luxury households.

​

2. High-Value Items Need Accurate Valuation

​

We work with:

  • Fine art valuers

  • Jewellery specialists

  • Watch experts

  • Premium furnishings consultants to ensure your assets are covered at their true replacement value, not generic estimates.

​

3. Worldwide Cover for Travel & Movement

​

Your valuables may leave the house.

Our policies provide:

  • Worldwide cover

  • Cover during travel

  • Cover in hotels, transit & storage

  • Cover for items temporarily removed

​

This is essential for jewellery, watches and art frequently loaned or transported.

​

4. Theft & Damage Risks Are Higher

​

Prestige homes often include:

  • Open-plan designs

  • Large windows

  • Public visibility

  • Domestic staff

  • Frequent guests

​

These increase contents risks — requiring high-net-worth protection.

​

5. Designer Interiors Need Real Replacement Protection

​

Luxsure covers:

  • Limited-edition furnishings

  • Imported furniture

  • Custom cabinetry

  • Interior design pieces

  • Premium light fittings & décor

​

Standard insurers only replace with “similar items” — which often don’t exist.

​

What Luxsure Covers in High-Value Contents Insurance

​

✔ Fine Art

Paintings, sculptures, contemporary pieces, installations, photography, rare artwork.

​

✔ Jewellery & Watches

Engagement rings, diamonds, heirloom pieces, luxury watches (Rolex, Patek, AP etc).

​

✔ Designer Furniture & Interiors

Custom cabinetry, imported designer décor, bespoke pieces.

​

✔ Rare & Luxury Collections

Wine, whisky, coins, memorabilia, collectibles, couture.

​

✔ Technology & Media

High-end sound systems, cinema rooms, home automation.

​

✔ Antiques & Heirlooms

Classic furniture, rare pieces, irreplaceable items.

​

✔ Worldwide Valuables Cover

Protection anywhere in the world.

​

✔ Accidental Damage

Cover for breakage, misplacement, loss, or damage.

​

Every policy is customised to your lifestyle and asset profile.

​

Our Private-Client Contents Insurance Process

​

1. High-Value Contents Review

We assess:

  • Art & jewellery values

  • Designer interior replacement cost

  • Watches & luxury items

  • Collections & specialty assets

  • Existing insurance gaps

​

2. Tailored High-Value Contents Program

Your cover is designed to protect:

  • Individual items

  • Collections

  • Entire interior design sets

  • Specialist replacement costs

  • Worldwide movement

​

3. Placement With Specialist Insurers

We negotiate with elite underwriters who specialise in:

  • Fine art

  • Luxury jewellery

  • High-net-worth households

  • Worldwide valuables

​

4. VIP Claims Support

Immediate, private-client handling with valuation and replacement specialists.

​

Where Luxsure Insures High-Value Contents & Valuables

​

We provide specialist contents insurance across Australia’s prestige regions:

​

Sydney

Vaucluse, Bellevue Hill, Point Piper, Double Bay, Mosman, Rose Bay, Hunters Hill.

​

Melbourne

Toorak, Brighton, Kew, Canterbury, Hawthorn, Balwyn.

​

❓ High-Value Contents Insurance – FAQs

​

Do I need specialist contents cover if I own valuable items?

Yes — standard insurers cannot replace premium items at true replacement value.

​

Is jewellery covered outside the home?

Yes — Luxsure offers worldwide valuables cover.

​

What if I have multiple luxury watches or designer jewellery pieces?

These can be individually itemised with accurate valuation.

​

Do you cover fine art?

Absolutely — including transit, loan, damage and restoration.

​

Do you insure rare collections (wine, coins, couture, memorabilia)?

Yes — with valuation-based cover overseen by specialists.

​

Can I insure my contents and home together?

Yes — most clients combine home + contents for full prestige protection.

bottom of page