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Luxury Holiday Home & Second Residence Insurance – Australia

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Specialist protection for high-value coastal, waterfront and prestige holiday properties

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Australia’s luxury holiday homes are among the most desirable — and most exposed — properties in the country. From Palm Beach to Portsea, Byron Bay to Noosa, and from the Gold Coast to Margaret River, high-value holiday residences face unique risks that standard insurers rarely cover adequately.

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Luxsure provides bespoke private-client insurance for:

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  • Luxury holiday homes

  • Secondary residences

  • Prestige Airbnb / short-stay properties

  • Waterfront holiday estates

  • Beach houses & coastal retreats

  • Architectural second homes

  • Premium lifestyle residences

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If you own a luxury holiday home, your insurance must be tailored to coastal risk, high-value contents, guest exposure, seasonal use and multi-property ownership.

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Luxsure delivers the specialist protection your holiday property requires.

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Why Luxury Holiday Homes Need Specialist High-Net-Worth Insurance

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Holiday homes face more risks — and more types of risk — than primary residences.

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1. Coastal & Waterfront Exposure (Major Risk Factor)

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Many prestige holiday homes sit in high-exposure zones:

  • Beachfront

  • Clifftop

  • Harbourside

  • Lakefront

  • Canal-front

  • Riverfront

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Risks include:

  • Salt corrosion

  • Storm surges

  • Flooding

  • Strong winds

  • Moisture intrusion

  • Structural deterioration

  • Erosion & soil movement

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Standard insurers often exclude or limit these risks — Luxsure covers them fully.

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2. Seasonal Occupancy & Property Vacancies

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Holiday homes are often:

  • Empty for weeks or months

  • Occupied suddenly or irregularly

  • Used by family, friends, or guests

  • Frequently accessed by cleaners, gardeners, trades

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This increases risks of:

  • Theft

  • Water damage

  • Mould & damp

  • Burst pipes

  • Weather-related events going unnoticed

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Specialist holiday home cover is required.

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3. Short-Stay Guests & Liability Exposure

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If the home is used for:

  • Airbnb

  • Premium short-stay

  • Occasional paid or unpaid guests

  • Friends/family using the home

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You face greater:

  • Liability risk

  • Damage risk

  • Accident exposure

  • Guest-related incidents

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Luxsure offers enhanced liability and guest damage protection designed for high-net-worth clients.

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4. High-Value Contents & Designer Interiors

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Holiday homes often contain:

  • Premium furnishings

  • Designer outdoor settings

  • Art & décor

  • Appliances

  • Luxury electronics

  • High-value wine & entertainment setups

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These require specialist contents insurance — not basic cover with low limits.

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5. Multi-Property Ownership Complexity

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Most luxury holiday home owners also have:

  • A primary prestige residence

  • Additional investment or secondary properties

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Luxsure offers one unified private-client program across multiple assets.

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What Luxsure Covers in Luxury Holiday Home Insurance

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Luxsure provides comprehensive cover for:

✔ Waterfront holiday homes

✔ Coastal & beach houses

✔ Architectural second residences

✔ Luxury short-stay properties (Airbnb / premium stays)

✔ Holiday estates & lifestyle homes

✔ Multi-million-dollar secondary residences

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Coverage includes:

  • Accurate rebuild valuations

  • Coastal & marine exposure protection

  • Storm, flood, wind & surge cover

  • High-value contents & designer furnishings

  • Worldwide cover for valuables

  • Guest / short-stay liability

  • Domestic staff liability

  • Alternative accommodation

  • Landscaping, pools & external structures

  • Multiple property portfolio management

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Every holiday home policy is tailored to its location, exposure, usage and asset value.

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🔍 Our Private-Client Holiday Home Insurance Process

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1. Holiday Property Risk Assessment

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We review:

  • Waterfront & exposure risks

  • Use of the home (holiday, rental, guest)

  • Contents valuation

  • Structural complexity

  • Seasonal occupancy

  • Existing insurance gaps

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2. Bespoke Insurance Program

Your cover is customised for:

  • Luxury coastal use

  • Short-stay or guest use

  • High-value contents

  • Seasonal vacancy

  • Specific rebuild requirements

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3. Placement With Elite Insurers

We negotiate with global private-client underwriters who specialise in:

  • Coastal & waterfront assets

  • Luxury vacation homes

  • High-value personal property

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4. VIP Claims Support

Confidential, premium-level claims management with prioritised service.

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Where Luxsure Insures Luxury Holiday Homes Across Australia

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Luxsure covers holiday properties in the most prestigious coastal & lifestyle regions:

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New South Wales

  • Palm Beach

  • Byron Bay

  • Lennox Head

  • Port Stephens

  • Jervis Bay

  • Mollymook

  • Bowral / Southern Highlands

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❓ Luxury Holiday Home Insurance – FAQs

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Are holiday homes more expensive to insure?

Yes — they face higher exposure and higher vacancy risks.

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Do you insure waterfront holiday properties?

Absolutely — coastal homes are our specialty.

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Are short-stay rentals covered (Airbnb, stays, guests)?

Yes — with enhanced liability and guest-cover options.

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Can I insure designer furniture and art in my holiday home?

Yes — high-value contents are fully covered.

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Do you offer portfolio insurance for multiple homes?

Yes — most clients combine multiple luxury residences under one program.

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Do you cover flood, storm and surge?

Yes — full coastal exposure cover is available.

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