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Luxury Investment Property Insurance – Australia

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Specialist home insurance for prestige rental properties, high-value investments & multi-property portfolios

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High-value investment properties require more than standard landlord insurance. Luxury rentals, prestige residences, architectural investments and waterfront properties carry higher rebuild costs, higher contents exposure, higher liability risk and higher tenant-related risks than ordinary investment properties.

Luxsure provides specialist high-net-worth investment property insurance designed exclusively for:

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  • Prestige rental homes

  • High-value investment properties

  • Luxury apartments & penthouses

  • Waterfront & coastal investment homes

  • Multi-property investment portfolios

  • Short-stay luxury rentals (Airbnb / executive stays)

  • Architectural investment properties

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Your investment property is a premium asset — your insurance must reflect its true value.

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Why Luxury Investment Properties Need Specialist Insurance

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Prestige investment homes face complex risks standard insurers cannot handle.

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Luxsure solves this with bespoke private-client cover designed for high-value properties.

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1. High Rebuild Costs for Premium Investment Homes

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Luxury investment properties often include:

  • Imported stone, timber & premium materials

  • Custom architectural design

  • Complex structural engineering

  • High-end fixtures, appliances & joinery

  • Large outdoor areas, pools & premium entertaining zones

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Standard landlord insurance does not calculate the correct replacement cost — resulting in severe underinsurance.

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Luxsure ensures full valuation and accurate cover.

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2. Tenant-Related Risks Are Higher in Luxury Rentals

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Prestige tenants often have access to:

  • Premium technology

  • High-value appliances

  • Designer interiors

  • Expensive fittings

  • Outdoor entertainment areas

  • Pools, spas, and landscaped grounds

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Damage or misuse can be far more expensive than in standard rentals.

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Luxsure covers:

  • Tenant damage

  • Accidental damage

  • Malicious damage (optional)

  • Loss of rent

  • Liability for injuries or accidents

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3. Short-Stay Luxury Rentals Increase Liability

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Many high-value investment properties are used for:

  • Airbnb

  • Premium short stays

  • Executive rentals

  • Film shoots or private events

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Short-stay activity increases:

  • Liability exposure

  • Accidental damage

  • Guest-related incidents

  • Wear & tear

  • Contents risk

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Luxsure provides specialist liability and guest-damage protection.

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4. Waterfront Investment Properties Face Additional Risks

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If your investment home is:

  • Coastal

  • Beachfront

  • Clifftop

  • Harbourside

  • Canal-front

  • Lakefront

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You face:

  • Salt corrosion

  • Storm & wind damage

  • Moisture intrusion

  • Flood & surge

  • Erosion

  • Coastal deterioration

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Most insurers either exclude or limit these risks.


Luxsure includes them.

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5. Multi-Property Portfolios Require Unified Management

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High-net-worth investors often own:

  • A primary prestige residence

  • Several investment homes

  • Holiday homes

  • State-by-state properties

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Luxsure offers a single private-client program that consolidates all properties under one tailored luxury portfolio.

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🏡 What Luxsure Covers in Luxury Investment Property Insurance

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✔ Prestige investment homes

✔ Luxury rental houses & estates

✔ High-end apartments & penthouses

✔ Waterfront investment properties

✔ Architectural investment residences

✔ Luxury duplexes & designer builds

✔ Executive rentals & short-stay properties

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Our specialist cover protects:

  • Full rebuild & replacement value

  • High-value landlord contents

  • Loss of rent

  • Tenant damage (accidental or deliberate)

  • Luxury furnishings & designer interiors

  • Worldwide valuables cover (if applicable)

  • Domestic staff liability (if used for property management)

  • High-net-worth personal liability

  • Pools, landscaping & external features

  • Multi-property portfolio management

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Your investment property remains fully protected — regardless of tenant profile or location.

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Our Private-Client Process for Investment Properties

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1. High-Value Property & Tenant Risk Review

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We assess:

  • Rebuild valuation

  • Rental use

  • Short-stay vs long-term tenancy

  • Exposure risks

  • Contents & fittings value

  • Existing insurance gaps

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2. Bespoke Luxury Investment Property Policy

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We tailor the policy to:

  • Tenant profile

  • Property type (waterfront, architectural, penthouse)

  • Material cost

  • Location exposure

  • Contents value

  • Rental agreements

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3. Placement With Elite Private-Client Insurers

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We negotiate with global underwriters who specialise in:

  • High-end landlord cover

  • Waterfront investment properties

  • Prestige real estate portfolios

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4. VIP Claims Support

Private-client service with fast, discreet outcome management.

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Where Luxsure Insures Luxury Investment Properties in Australia

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We insure high-value investment properties in Australia’s most prestigious rental markets:

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Sydney

Vaucluse, Bondi, Rose Bay, Mosman, Double Bay, Darling Point, Northbridge.

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Melbourne

Toorak, South Yarra, Brighton, Kew, Hawthorn, Portsea, Sorrento.

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❓ Luxury Investment Property Insurance – FAQs

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Is luxury landlord insurance different from standard landlord insurance?

Yes — standard policies cannot replace premium materials or cover high-value tenant risks.

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Do you cover short-stay rentals like Airbnb?

Yes — with specialist guest liability and damage cover.

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Can you insure high-end apartments and penthouses rented out?

Absolutely — we specialise in prestige rental properties.

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Do you cover loss of rent?

Yes — including tenant damage and certain insured events.

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Can I insure multiple investment properties under one program?

Yes — Luxsure offers a unified high-net-worth property portfolio.

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