Luxury Home Insurance Melbourne

Premium, high-net-worth home insurance for Melbourne’s prestige, coastal and architectural residences

Luxsure provides specialist luxury home insurance in Melbourne, tailored exclusively for high-net-worth individuals, prestige homeowners and owners of high-value architectural properties. Melbourne’s luxury market includes some of Australia’s most valuable heritage estates, modern architectural builds and coastal prestige homes — all requiring precise underwriting, higher coverage limits, worldwide valuables protection and private-client claims support.

If your Melbourne home requires more than a standard insurance policy, Luxsure delivers the city’s leading bespoke, high-value home insurance solutions.

Why Melbourne Requires Specialist Luxury Home Insurance

Melbourne’s prestige suburbs combine heritage architecture, coastal exposure, architectural rebuilds and high-value contents — creating complex risk profiles that standard insurers are not built for.

Luxury homes in Melbourne often feature:

High rebuild values & imported materials
Architect-designed structures & bespoke finishes
Coastal exposure (salt corrosion, wind, storms)
Heritage buildings with expensive restoration needs
High-value contents (art, jewellery, collectibles)
Multi-residence portfolios & investment homes
Larger personal liability exposure
Complex outdoor areas, landscaping & pools
Smart-home technology & premium security systems

Melbourne’s prestige properties cannot be adequately protected by mass-market insurers.

Luxsure solves this with tailored, high-net-worth coverage.

What Luxsure Covers in Melbourne

Specialist luxury home insurance for Melbourne’s high-value homes:

Prestige homes & multi-million-dollar residences
Coastal & bayside homes (Brighton, Brighton Beach, Sandringham, Beaumaris, Black Rock)
Heritage estates in Toorak, South Yarra, Hawthorn & Kew
Architectural homes across Armadale, Malvern & Canterbury
Luxury apartments & penthouses
High-value contents, jewellery, art & collections
Worldwide valuables protection
Domestic workers’ liability
High-net-worth personal liability cover
Investment & landlord prestige properties
Luxury holiday homes & secondary residences

Your Melbourne home is extraordinary — your insurance must reflect that.

Our Private-Client Insurance Process

Luxsure delivers a private-client experience built for Melbourne’s high-value property market:

1. Comprehensive Risk Review

We assess your home’s architecture, rebuild valuation, contents, lifestyle risks and any existing insurance gaps.

2. Bespoke Policy Design

We develop a custom luxury insurance program specifically for your Melbourne property.

3. Specialist Placement & VIP Claims Support

We work with elite private-client insurers and provide priority claims assistance from start to finish.

Melbourne Suburbs Served by Luxsure

Luxsure provides luxury home insurance across all Melbourne prestige and high-value postcodes, including:

Blue-Chip Heritage & Prestige Suburbs

If your home is coastal, architectural, heritage or high-value — Luxsure covers it.

❓ Luxury Home Insurance Melbourne – FAQs

What is luxury home insurance in Melbourne?

Luxury home insurance protects high-value homes, architectural residences and premium contents with broader coverage, higher limits and specialist underwriting.

How much does luxury home insurance cost in Melbourne?
Pricing depends on rebuild value, contents, suburb, risk profile, architectural complexity and coastal exposure. Luxsure provides customised premium estimates.

Do you cover heritage and period homes in Melbourne?
Yes — we provide specialist cover for heritage estates, period restorations and sandstone/brick Victorian or Edwardian buildings.

Can you insure coastal homes in Melbourne?
Yes — especially in Brighton, Beaumaris, Sandringham, Black Rock and bayside waterfront areas.

Do you offer worldwide cover for jewellery, art and valuables?
Absolutely — full global protection is available.

Can you insure multiple Melbourne properties?
Yes — many clients hold multi-property portfolios across Melbourne, Mornington Peninsula and Sydney.