At Luxsure, we understand that
your home is not just a place
It’s a sanctuary filled with memories, cherished belongings, and the essence of your lifestyle. Our luxury home insurance solutions are designed to protect your unique assets with tailored coverage that reflects your individual needs. Whether you reside in a sprawling estate, a chic urban loft, or a serene waterfront retreat, we offer comprehensive policies that provide peace of mind and unparalleled service. Experience the confidence that comes with knowing your home and valuables are safeguarded by industry experts dedicated to serving you with the utmost care and professionalism.
We have longstanding relationships with relevant insurers and can provide you with a comprehensive and appropriate outcome.
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Australia’s Leading Luxury Home Insurance Provider
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Luxsure delivers bespoke, high-net-worth home insurance across Australia’s most exclusive
property markets. Explore coverage for your region:
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Sydney – Eastern Suburbs, North Shore, Northern Beaches
Melbourne – Toorak, Brighton, Kew, Kooyong, Canterbury
Tailored quotes to suit
your circumstances
At Luxsure, we believe that every home and homeowner is unique. That’s why we offer personalised quotes designed to reflect your specific circumstances and lifestyle. We take the time to understand your needs, ensuring that you receive coverage that perfectly aligns with your property and possessions. Whether you have private collections of art, wine or jewellery, our tailored approach gets you the protection you deserve.
For all other quotes please email us directly quotes@luxsureinsurance.com.au
Why us?
When it comes to protecting your high-value assets, the expertise of a luxury property insurance adviser are invaluable. Here are several compelling reasons to consider:
Specialised Knowledge
We understand the unique risks and coverage options associated with high-end homes. We navigate complex policies to ensure you receive the most appropriate protection.
Tailored Coverage
We can customise insurance plans to meet your specific needs, whether it’s for valuable art, bespoke furnishings, or extensive grounds. This ensures you have coverage that truly reflects your lifestyle.
Access to Exclusive Markets
We have access to specialised insurance markets that are not available to the general public. This can lead to better coverage options and competitive pricing.
Advocacy and Support
We understand the unique risks and coverage options associated with high-end homes. We navigate complex policies to ensure you receive the most appropriate protection.
Time and Stress Savings
Shopping for insurance can be overwhelming. We do the legwork for you, comparing policies and negotiating terms, allowing you to focus on what truly matters.
By choosing a luxury property insurance adviser, you’re investing in peace of mind, knowing that your
valuable assets are protected by an expert dedicated to serving your best interests and not those of the
insurer.
We can assist with the following assets -
When it comes to protecting your high-value assets, the expertise of a luxury property insurance adviser are invaluable. Here are several compelling reasons to consider:
Prestige homes
Comprehensive cover for homes with a replacement value of more than $2million.
Art and Wine collections
Your art and wine collections reflect your passion, taste, and investment. Whether it consists of classic masterpieces, contemporary works, or a 2015 Château Margaux, proper insurance is essential to protect your treasures.
Holiday homes
Owning a holiday home offers a delightful escape, but it also requires careful consideration of insurance to protect your investment.
Investment properties
Owning investment properties can be a lucrative venture, but it also comes with unique risks. Proper insurance is crucial to safeguard your investments and ensure peace of mind.
Jewellery collections
Whether it's an heirloom piece, an engagement ring, or a collection of exquisite gems, insuring your luxury jewellery is essential to safeguarding your investment.
Yachts, Prestige, exotic and speciality cars
Owning these can be exhilarating and bring joy but also responsibility. Ensuring your investment is properly protected with specialized insurance is essential.
Prestige & Luxury Home Insurance Specialists in Australia
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Luxsure specialises exclusively in prestige home insurance and luxury home insurance for high-value residential properties across Australia. We provide tailored insurance solutions for homes that sit well beyond the scope of standard home insurance — including architect-designed residences, waterfront estates, heritage homes, premium luxury properties and complex high-value builds.
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Prestige and luxury homes present materially different insurance risks. Elevated rebuild costs, bespoke materials, architectural complexity, premium fixtures and high-value contents require specialist valuation, private-client underwriting and bespoke policy structuring. Standard insurers often rely on generic limits and averaged assumptions that leave prestige homes exposed to significant underinsurance.
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Luxsure operates within the high-net-worth and private-client insurance market, arranging luxury home insurance that reflects the true replacement value of exceptional properties. Our approach focuses on accurate rebuild assessment, tailored coverage design and specialist insurer placement to ensure prestige homes are protected against total loss, partial damage and complex claims scenarios.
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We arrange prestige and luxury home insurance for properties located across Australia’s most exclusive residential markets — from coastal and harbourside suburbs to blue-chip metropolitan enclaves and premium regional locations. Whether insuring a contemporary architectural residence, a waterfront estate or a heritage luxury home, Luxsure delivers insurance solutions designed to protect both the property and the lifestyle it supports.
Our role is not to sell generic policies, but to structure, place and manage specialist prestige home insurance for clients whose properties demand a higher standard of protection, discretion and expertise.
Frequently Asked Questions – Home Insurance
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What is home insurance and why is it important?
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Home insurance helps protect you financially if something happens to the property you own. Depending on the cover selected, it can also protect your personal belongings kept inside your home.
Purchasing a property often takes years of hard work and financial commitment. Because of this, it’s important to consider whether home insurance is suitable for your individual needs and circumstances to help safeguard your investment.
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How much does home insurance cost?
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The cost of home insurance is known as your premium. Your premium is calculated based on a range of factors and can change at each policy renewal.
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Your home insurance premium may be influenced by factors including:
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Your individual risk profile
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Where your home is located
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The type of property being insured
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The level and type of cover you choose
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Who is insured under the policy
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Claims history of the insured parties
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The likelihood of a claim being made
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Any discounts that apply
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Government charges such as GST and stamp duty
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Emergency services levies where applicable
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Any other charges disclosed in your policy documents
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The excess amount you select
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The premium for each period of insurance will be shown on your policy documentation.
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I’ve just bought a house – what insurance should I consider?
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If you previously rented, the building insurance would have been the landlord’s responsibility. As a homeowner, you are responsible for arranging your own building insurance.
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If you’ve purchased an apartment or townhouse, the building may be insured through a strata or body corporate policy. You should confirm this, as you may still need contents insurance.
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If the property is an investment and rent is being collected, you’ll generally need landlord insurance rather than standard home insurance.
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How can I get cheaper home insurance?
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You may be able to reduce the cost of your home insurance premium by:
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Combining building and contents cover under one policy rather than purchasing them separately
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Increasing your excess, which may lower your premium
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Always ensure any cost savings still provide adequate cover for your home and contents.
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Does home insurance cover renovations?
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Before starting renovations, you should notify your insurer as soon as reasonably possible during the period of insurance if the renovations are expected to cost more than $75,000 and:
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You are an owner-occupier with a home insurance policy, or
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You are a landlord with a landlord insurance policy
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If renovations are not disclosed, a claim may be reduced or refused. Once notified, the insurer may propose changes to your policy terms, adjust your premium, cancel the policy, or decide not to offer renewal if the risk has materially changed.
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It’s also important to increase your sum insured to reflect any extensions or renovations.
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My investment property doesn’t have tenants at the moment – what should I do?
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If your investment property is insured under landlord insurance and is unoccupied for more than 60 consecutive days, you should notify your insurer as soon as reasonably possible.
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I rent out part of the home I live in – what insurance do I need?
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If you rent out part of your home while living at the same address, you’ll need to advise your insurer before cover can be confirmed. Depending on the circumstances, your tenant may need their own contents insurance.
If you rent out the entire home or a granny flat, cover is generally not available under a standard home insurance policy and you may need to consider landlord insurance.
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What is the difference between home insurance and landlord insurance?
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Home insurance is designed to cover your family home and contents when the property is owner-occupied.
Landlord insurance is designed for properties where rent is being collected and the policyholder does not reside at the property.
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For full details, including standard conditions and exclusions, refer to the relevant Product Disclosure Statement (PDS).
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What does Motor Burnout cover?
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Motor Burnout is an optional benefit that covers damage caused by an electrical current to domestic household electrical motors.
Cover is subject to the terms, conditions, and exclusions outlined in the relevant PDS.
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When would I use Accidental Damage cover?
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Accidental Damage cover protects you against unexpected and unintentional mishaps.
Examples may include:
If you have building cover:
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Accidentally damaging a wall while moving furniture
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Children unintentionally damaging walls
If you have contents cover:
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Spilling liquid on furniture or carpets
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Accidental Damage cover generally applies at your insured address. Items taken outside the home may require portable contents cover. This option is usually not available under landlord insurance.
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Why do I have to pay an excess?
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Unless stated otherwise in the PDS, you are required to pay an excess as a contribution toward a claim.
Charging an excess helps reduce the number of small claims and assists in keeping insurance premiums affordable. The excess applicable to your policy will be shown in your policy documentation.
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I’ve started using my home for business – should I notify my insurer?
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Yes. If you use any part of your home for business, trade, or professional purposes (other than a basic home office), you should notify your insurer as soon as reasonably possible.
Failure to disclose business use may affect a claim.
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What are the different types of Portable Contents cover?
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Portable contents cover insures items you wear or carry outside your home, such as handbags, wallets, jewellery, sunglasses, or musical instruments.
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There are two types of portable contents cover:
Unlisted Portable Contents - Covers items valued under $1,000, subject to limits per item and per claim.
Listed Portable Contents - Covers specifically listed items valued at $1,000 or more for their full replacement value, less any applicable excess.
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Portable contents may be covered worldwide for limited periods, subject to policy terms.
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Does home insurance cover granny flats?
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Home insurance may extend to a granny flat located on the same title as the main insured property, provided it is not rented to tenants.
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If the granny flat is rented out, cover is generally not available under a home insurance policy and landlord insurance may be required. Ensure the rebuild cost of the granny flat is included in your total building sum insured.
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Does home insurance cover flood?
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Flood cover is included as standard in many new home insurance and landlord insurance policies taken out on or after 14 January 2025.
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To confirm whether your policy includes flood cover, check your policy documentation or contact your insurer.