Is Your Home Insurance Actually Protecting You? Most Policies in Australia Miss This Critical Cover.

Every day across Australia — especially in high-value homes in Sydney’s Eastern Suburbs — accidents happen.A dropped laptop. Red wine on a wool carpet. A cracked stone benchtop. A DIY mishap gone wrong.

What most homeowners don’t realise is this:👉 Standard home insurance does not cover many of these everyday incidents.

This is where Accidental Damage Cover becomes essential — particularly for luxury homes in Vaucluse, Bellevue Hill, Rose Bay, Double Bay, Bondi, Bronte, and Mosman where repair and replacement costs are significantly higher.

Why Accidental Damage Cover Is Now Essential in 2025

Not all insurers automatically include accidental damage cover. In fact, many “basic” policies exclude the most common (and expensive) mishaps.

With Accidental Damage Cover, you get broad protection for:

✔ Unintentional damage to your building and contents

✔ Tech, devices, high-end furniture & premium materials

✔ Spills, drops, knocks, breaks and day-to-day mishaps

✔ Homes with kids, pets, visitors or high foot traffic

✔ Luxury homes with designer finishes (stone, timber, custom joinery)

✔ Avoiding out-of-pocket costs on everyday accidents

In premium suburbs, repairs aren’t cheap — one cracked splashback or spilled wine on natural stone can cost $2,000–$15,000 to fix.

Why Eastern Suburbs & High-Value Homes Are Most At Risk

Homes in luxury areas face higher repair costs, making accidental damage cover even more important:

🔹 Vaucluse & Dover Heights

High-end materials, architect-designed finishes.

🔹 Bellevue Hill & Double Bay

Premium flooring, heritage details, imported stone.

🔹 Rose Bay & Point Piper

Designer furniture & high-value contents.

🔹 Bondi, Tamarama & Bronte

High foot traffic, renters, pets, coastal lifestyle = more mishaps.

If you live in any of these suburbs, accidental damage cover is not optional — it’s financial protection.

The Real Cost of NOT Having Accidental Damage Cover

Without proper cover, you may be paying out-of-pocket for:

💥 Cracked induction cooktops

💥 Broken windows

💥 Damaged smart TVs or appliances

💥 Spilled liquids on carpets

💥 Destroyed décor or home office equipment

💥 Scratches and dents to surfaces

💥 Damaged flooring or tiles

💥 Water damage from minor accidents

These happen daily. And they’re almost never covered by basic policies.

Luxsure Insurance: Premium Protection for Premium Homes

At Luxsure, we help homeowners — especially those in Sydney’s Eastern Suburbs — secure high-net-worth insurance that actually covers their lifestyle and property value.

With us, you get:

✨ Access to high-end insurers (Chubb, Allianz Premier, CGU Prestige, Quantum, Blue Zebra Platinum, Castle, Prevail)

✨ Tailored, premium protection for luxury homes

✨ Proper coverage for accidental damage, storm impact, coastal corrosion & high-value contents

✨ A broker who actually explains what you’re covered for

Because the “little extras” are the ones that save you the most.

Considering Accidental Damage Cover? Let’s Protect Your Home Properly.

If you’re unsure whether your current home insurance includes accidental damage cover — chances are, it doesn’t.

Send a message anytime.We’ll review your policy and make sure your home, contents and lifestyle are fully protected.

#luxsureinsurance #luxuryhomeinsurance #easternsuburbssydney #homeinsuranceaustralia #accidentaldamagecover #propertyinsurance #insurancebroker #highvaluehomes #vaucluse #bellevuehill #rosebay #bondi #doublebay #prestigeinsurance

Get your quote today!