What is fine art insurance?

Fine art insurance is specialist cover designed to protect valuable artworks, collections, and high-value contents that exceed the limits of standard home insurance policies.

Do I need fine art insurance if I already have contents insurance?

Yes. Standard contents insurance usually has low limits and does not provide accurate valuation or replacement protection for fine art, jewellery, or luxury items.

Is fine art insurance covered worldwide?

Yes. Specialist fine art insurance can provide worldwide cover, including protection during travel, transit, storage, exhibitions, and temporary removal from the home.

Can jewellery and watches be insured under fine art insurance?

Yes. Fine art insurance often includes high-value jewellery, luxury watches, and collectibles, insured at agreed or replacement value.

How is fine art valued for insurance?

Fine art is valued using professional art valuers and specialists to ensure items are insured at true replacement or agreed value rather than generic estimates.

Fine Art Insurance Australia

Specialist Fine Art, Jewellery & High-Value Contents Insurance for Luxury Homes

Luxsure provides specialist fine art insurance in Australia for high-net-worth households, private collectors, and prestige homeowners with valuable assets that cannot be adequately protected by standard contents insurance.

Fine art, luxury jewellery, high-end watches, antiques, rare collections, and designer interiors require bespoke insurance solutions, expert valuation, and worldwide protection. Standard contents insurance policies are not designed to insure fine art or replace high-value items accurately.

Our fine art insurance Australia solutions are structured specifically for clients whose contents value exceeds traditional policy limits and whose assets demand specialist underwriting.

Why Fine Art Insurance Is Essential for High-Value Homes

Luxury homes frequently contain assets valued well into six or seven figures. Without specialist fine art insurance, these items are routinely underinsured, incorrectly valued, or excluded from cover altogether.

1. Standard Contents Insurance Is Not Designed for Fine Art

Retail insurers typically impose restrictive sub-limits that make fine art insurance ineffective, including:

Fine art capped at $10,000–$50,000 total
Jewellery limits of $5,000–$20,000
Luxury watches capped at $2,000–$5,000 per item
Designer furniture replaced with “similar items” only

These limits are not appropriate for collectors, luxury households, or prestige properties.

Fine art insurance removes these constraints.

2. Fine Art Requires Expert Valuation, Not Estimates

True fine art insurance is built on professional valuation, not generic replacement assumptions.

Luxsure works with:

Accredited fine art valuers
Jewellery and gemstone specialists
Luxury watch experts
Interior design and furnishings consultants

This ensures artworks, jewellery, and high-value contents are insured at agreed or true replacement value, protecting against market fluctuations and specialist sourcing costs.

3. Fine Art Insurance Provides Worldwide Cover

High-value assets are rarely static.

Our fine art insurance includes:

Worldwide cover
Cover during travel and relocation
Cover in transit, storage, exhibitions, or restoration
Cover for artworks on loan or temporarily removed

This level of protection is essential for fine art, jewellery, and watches that frequently leave the home.

4. Prestige Homes Carry Elevated Risk Profiles

Luxury residences often feature:

Open-plan architecture and large glass expanses
High visibility locations
Domestic staff and contractors
Frequent entertaining and guests

These factors increase exposure to theft, accidental damage, and loss — risks that require high-net-worth fine art insurance, not retail contents cover.

5. Designer Interiors Cannot Be Replaced “Like for Like”

Luxury interiors commonly include:

Limited-edition furniture
Imported or bespoke furnishings
Custom joinery and cabinetry
Designer lighting, finishes, and décor

Standard insurers replace items with “similar equivalents” — which often do not exist. Fine art and high-value contents insurance accounts for custom manufacture, importation, and specialist sourcing.

What Luxsure Covers Under Fine Art Insurance

✔ Fine Art Insurance

Paintings, sculptures, photography, installations, contemporary and classical artwork, including transit, damage, and restoration.

✔ Jewellery & Watch Insurance

Luxury jewellery, engagement rings, diamonds, heirloom pieces, and high-value watches (Rolex, Patek Philippe, Audemars Piguet, Richard Mille and similar).

✔ Designer Furniture & Interiors

Custom cabinetry, imported furniture, bespoke décor, architectural interiors, and limited-edition pieces.

✔ Rare & Collectible Assets

Wine cellars, whisky collections, coins, memorabilia, couture, handbags, and specialty collectibles.

✔ Technology & Entertainment Systems

Home theatres, sound systems, automation systems, and high-end electronic installations.

✔ Antiques & Heirlooms

Museum-quality furniture, rare antiques, and irreplaceable family assets.

✔ Worldwide Valuables Insurance

Protection anywhere in the world, including transit and temporary storage.

✔ Accidental Damage Cover

Cover for loss, breakage, misplacement, and unintentional damage.

Every fine art insurance policy is custom-built to your asset profile and lifestyle.

Our Private-Client Fine Art Insurance Process

1. High-Value Asset Assessment

We conduct a detailed review of:

Fine art holdings
Jewellery and watch collections
Designer interiors and furnishings
Rare and collectible assets
Existing insurance gaps

2. Bespoke Fine Art Insurance Program

Your cover is structured to protect:

Individually listed items
Entire collections
Interior design schemes
Specialist replacement costs
Global movement and storage

3. Placement With Specialist Fine Art Insurers

We negotiate with elite fine art insurers that specialise in:

Fine art insurance
Luxury jewellery and watches
High-net-worth households
International valuables protection

These insurers do not operate in the retail market.

4. Private-Client Claims Handling

Claims are managed discreetly with:

Specialist valuers
Restoration professionals
Replacement and sourcing experts

No call centres. No generic claims handling.

Where We Provide Fine Art Insurance in Australia

Luxsure provides fine art insurance across Australia’s most prestigious locations, including:

Sydney

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

Melbourne

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

Additional prestige regions nationwide.

Fine Art Insurance Australia – FAQs

Do I need specialist fine art insurance?
Yes. Standard contents insurance does not provide adequate limits or valuation protection for fine art.

Is jewellery insured outside the home?
Yes. Worldwide valuables cover is available.

Can multiple artworks or collections be insured together?
Yes. Collections can be insured individually or as grouped assets.

Is fine art insured during transit or loan?
Yes. Transit, loan, restoration, and exhibition risks are covered.

Can fine art insurance be combined with home insurance?
Yes. Most clients combine luxury home insurance with fine art and contents insurance.

Fine Art Insurance for High-Net-Worth Households

If you own fine art, luxury jewellery, or high-value contents, standard insurance is not enough. Fine art insurance is essential for protecting assets that define your home and lifestyle.

Luxsure delivers specialist fine art insurance Australia for clients who demand precision, discretion, and private-client level protection.