Can Prevail insure jewellery, artwork and high-value collections?

Yes. Prevail policies can be tailored with higher limits for jewellery, fine art, watches and other high-value contents.

Is Prevail appropriate for complex or hard-to-place homes?

Prevail is often a strong option for properties that are complex, high-value or declined by standard insurers, when placed through a specialist broker like Luxsure.

Luxury Home Insurance – Prevail (Australia)

Q: Is Prevail suitable for luxury and architectural homes?

Yes. Prevail is highly suitable for architectural, rebuilt and high-value homes that require flexible underwriting and accurate sums insured.

Q: Does Prevail insure coastal or waterfront properties?

Prevail can be structured to cover coastal and waterfront homes, including exposure to salt, storms, moisture and wind, subject to underwriting.

Specialist protection for prestige homes, architectural residences & high-value assets.

Prevail is one of Australia’s fastest-growing specialist home insurers, offering tailored, flexible, high-value home insurance solutions designed for prestige properties and complex household risk profiles. As a specialist broker, Luxsure partners with Prevail to deliver high-net-worth home insurance programs for clients who need broader protection, higher limits and greater underwriting precision than retail insurers provide.

Prevail’s modern underwriting approach makes it a strong choice for luxury homeowners seeking a customisable, intelligent, premium-grade policy.

If you own an architectural, multi-million-dollar, coastal, renovated or high-value home — Prevail delivers the flexibility and depth required to insure it correctly.

Why High-Value Homes Choose Prevail

Prevail combines underwriting sophistication with enhanced flexibility, making it ideal for prestige homes where standard policies fall short.

✓ High Rebuild Value Capacity

Prevail supports accurate, high-sum insured policies required for:
• Architectural homes
• Designer-built new constructions
• Multi-storey prestige residences
• Renovated and rebuilt homes
• Homes with imported materials
• Bespoke interiors & custom craftsmanship

✓ Strong Coastal & Environmental Risk Appetite

Prevail is suitable for homes exposed to:
• Salt and moisture corrosion
• Wind-driven storm damage
• Surf, spray, surge and coastal conditions
• Clifftop reinforcement and engineering risks
• Elevated, sloping or complex sites

✓ Flexible Contents & Valuables Cover

Prevail policies can be structured to protect:
• Jewellery, watches & luxury accessories
• Fine art, sculptures & antiques
• Designer furniture & premium interiors
• Wine collections
• Home technology and automation systems

✓ Enhanced Liability Cover

Luxury homeowners often operate in higher-risk environments. Prevail supports:
• Domestic staff liability
• Guest & visitor liability
• High-profile household exposure
• Extended personal liability

✓ Modern, Fast, Reliable Claims Performance

Prevail is built for responsiveness — providing a more agile and efficient claims experience than many mainstream providers.

What Luxsure + Prevail Cover for Prestige Homes

A Prevail luxury home insurance program arranged through Luxsure can include:

Prestige Property Protection

• Architectural & designer-built homes
• Prestige family residences
• Multi-level high-value homes
• Waterfront & coastal residences
• Luxury modern rebuilds
• Renovated trophy homes
• Heritage & character homes
• Premium landscaping, pools & outdoor zones

High-Value Contents Insurance

• Jewellery, watches & luxury valuables
• Fine art & collectible items
• Designer furnishings & interior pieces
• Premium electronics & home automation
• Contents in secondary and multi-property portfolios

Worldwide Valuables Cover

• Jewellery and watches when travelling
• Portable high-value items
• Personal belongings across international movement

Luxury Investment Property Cover

• Prestige rental properties
• High-end landlord protection
• Short-stay and portfolio homes
• Multi-residence ownership plans

Who Prevail Is Best For

Prevail is ideal for homeowners who need flexible underwriting and strong coverage capability, including:

• Architectural homes ($2M–$20M+)
• Waterfront & harbourside homes
• Luxury coastal properties
• Multi-storey premium residences
• Rebuilt or extensively renovated prestige homes
• High-value contents or art collections
• High-risk lifestyle exposures
• Multi-property ownership portfolios

Prevail is particularly well-suited for homes that are too complex, too high-value, or too coastal for mainstream insurers.

Areas Served

Prevail luxury home insurance through Luxsure is available in:

NSW Prestige Areas

Vaucluse, Bellevue Hill, Rose Bay, Point Piper, Double Bay, Woollahra, Tamarama, Bronte, Bondi, North Bondi, Mosman, Cremorne, Seaforth, Balgowlah, Manly, Hunters Hill, Longueville, Lane Cove, Wahroonga, St Ives.

Victoria Premium Regions

Toorak, South Yarra, East Melbourne, Brighton, Kew, Balwyn, Canterbury, Malvern, Hawthorn.

Queensland High-Value Suburbs

Teneriffe, New Farm, Hamilton, Ascot, Chandler, Paradise Point, Mermaid Beach, Sunshine Beach, Noosa Heads.

Western Australia Prestige Belt

Peppermint Grove, Dalkeith, Cottesloe, City Beach, Swanbourne, Mosman Park.

South Australia Luxury Zones

Unley Park, Medindie, Malvern, Erindale, Walkerville.

Our Private-Client Process (Prevail x Luxsure)

1. Specialist Risk Review

We analyse architecture, materials, rebuild cost, coastal exposure, contents and liability factors.

2. Custom-Built Prevail Policy Design

Your policy is engineered to match your home’s unique risk profile — ensuring correct sums insured and broad protection.

3. Placement & Negotiation With Prevail

We negotiate enhanced terms, broader benefits and stronger valuation accuracy.

4. VIP Claims Support

We handle claims end-to-end with Prevail — giving you a dedicated, private-client advocate.

Why Luxury Homeowners Choose Prevail Through Luxsure

• Modern underwriting designed for complex homes
• Flexible, high-value coverage
• Strong coastal capability
• Better policy customisation
• High-value contents support
• Efficient, responsive claims handling
• Private-client servicing through Luxsure
• Portfolio management across multiple properties

Prevail is built for homes that require precision, flexibility and deeper protection.

Prevail Luxury Home Insurance – FAQs

Is Prevail suitable for luxury and architectural homes?

Yes — Prevail is highly suitable for architectural, rebuilt and designer homes requiring flexible underwriting and accurate high-value valuations.

Does Prevail insure coastal or waterfront properties?

Yes. Prevail is capable of covering salt, moisture, wind and environmental coastal exposures that affect prestige seaside homes.

Can Prevail insure jewellery, art and high-value collections?

Absolutely. Prevail policies can be tailored for luxury contents with increased limits.

Is Prevail good for complex or hard-to-place homes?

Yes — Prevail is particularly strong for homes rejected or restricted by retail insurers.

Does Prevail cover multiple homes and portfolios?

Yes. Prevail supports portfolio-style insurance for owners with several high-value residences.

Luxsure partners with leading Australian insurers — including Chubb, Allianz, CGU, Blue Zebra, Quantum and Castle — to help protect high-value homes across Sydney’s Eastern Suburbs, Melbourne’s blue-chip neighbourhoods, Perth’s prestige coastal suburbs and Brisbane’s luxury residential areas. Our insurer panel supports tailored coverage for heritage properties, architect-designed homes, waterfront estates and large-scale renovations, ensuring homeowners receive specialist protection aligned with local risks, rebuild costs and 2025 property trends.