Luxury Home Insurance – Point Piper (2025)

Specialist Insurance for Waterfront Estates, Trophy Homes & Ultra-High-Value Properties in Point Piper, Sydney

Point Piper is Australia’s most prestigious residential enclave — home to some of the nation’s highest-value waterfront estates, architectural residences, and trophy homes overlooking Sydney Harbour. With median property values exceeding $20 million, Point Piper homeowners face unique risks that standard home insurance policies are not designed to cover.

Luxsure Insurance specialises in high-net-worth home insurance for Point Piper, offering tailored protection for luxury coastal residences, heritage homes, architectural builds, rare materials, high-end interiors, art collections, jewellery, and global lifestyle exposures.

If you own a luxury property in Point Piper, your insurance must match the calibre, complexity and value of your home.

Why Point Piper Homes Require Specialist Luxury Home Insurance

Prestige homes in Point Piper incorporate features that typical insurers do not adequately cover:

High-Value Architectural & Custom Designs

• Imported stone, marble, and rare hardwoods

• Custom joinery & bespoke cabinetry

• Designer kitchens & integrated appliances

• Floor-to-ceiling harbourfront glazing

• Custom pools, spas & outdoor entertaining zones

Waterfront & Coastal Exposure Risks

Point Piper’s direct harbourfront position means heightened risks of:

• Coastal erosion

• Saltwater corrosion

• Storm surges & extreme weather

• Boat-shed & jetty damage

• Seawall structural risks

Ultra-High-Value Contents & Collectibles

• Fine art

• Sculpture

• Jewellery

• Designer furniture

• Luxury watches

• Rare wine cellars

Most retail insurers cap contents limits far below what Point Piper homeowners require.

What Luxsure Covers — Tailored for Point Piper Prestige Homes

Luxsure’s high-net-worth policies are crafted specifically for ultra-luxury homes across Sydney’s Eastern Suburbs, with a strong focus on Point Piper.Our policies include:

✔ Full Replacement Value – No Average Clauses

We insure your property for true rebuild cost, including access difficulties, bespoke materials, and heritage requirements.

✔ Worldwide Contents Protection

Your valuables are covered anywhere on earth — essential for global travellers and high-net-worth families.

✔ Cyber & Identity Protection

Point Piper residents are increasingly targeted. Our policies include cyber security coverage and financial loss reimbursement.

✔ Luxury Car, Vessel & Watercraft Cover

Many Point Piper homes feature private slips, boats and waterfront storage. We insure:

• Vessels

• Jet skis

• Classic & prestige cars

• Garages & marina fittings

✔ High-Level Liability Protection

For domestic staff, contractors, guests, or incidents occurring on your property.

Point Piper – Geo-Optimised Local Expertise

Luxsure is specifically focused on Sydney’s top-tier luxury suburbs, including:

• Point Piper

• Vaucluse

• Bellevue Hill

• Rose Bay

• Dover Heights

• Double Bay

• Woollahra

• Edgecliff

Our underwriting partners understand the unique rebuild costs, architectural complexity, and risk exposures of Point Piper’s luxury homes.

Why Standard Insurance is NOT Enough in Point Piper

Most mainstream insurers decline or severely limit coverage due to:

• Home values exceeding standard insurer thresholds

• High coastal risks

• Custom architectural elements

• Expensive rebuild logistics

• Ultra-high-value contents

• Structural challenges for waterfront foundations

If your property is worth $5M–$100M+, you need specialist luxury insurance — not retail cover.

Why Point Piper Homeowners Choose Luxsure

• High-net-worth Australian insurance specialists

• Faster claims handling

• Full access to expert assessors

• Coverage crafted for prestige coastal suburbs

• Confidential, white-glove service

• The highest level of insured protection available in Australia

We ensure Point Piper homeowners receive appropriate, elite, tailored insurance protection.

Get Specialist Luxury Home Insurance for Your Point Piper Property

If you own a prestige home in Point Piper, you deserve the highest standard of protection.

Get your tailored luxury home insurance quote today. Protect your legacy, lifestyle and property — with coverage designed exclusively for Australia’s most elite homes.