Can I insure fine art, jewellery and collectibles?

Yes. Policies can include scheduled or blanket cover for high-value items, with worldwide protection and optional agreed value for specified pieces.

Do you offer cover for second homes or holiday houses?

Yes, cover can extend to secondary residences, including coastal or rural properties, subject to underwriting and risk profile.

How are sums insured determined?

We recommend professional rebuild and contents valuations to avoid underinsurance. We can coordinate valuations as part of the process.

What excess options are available?

Flexible excesses are available. Higher excesses can reduce premiums; we’ll model options so you can choose the balance of risk and cost.

Luxury & Prestige Home Insurance – Tailored for High-Value Homes

Q: What qualifies as a luxury home for insurance?

Typically properties with high rebuild values, bespoke finishes or significant contents/collections. Eligibility depends on the insurer’s criteria and valuation.

Luxury Home Insurance by Luxsure Insurance, arranged through Clarke Lyons

Designed for discerning homeowners, Clarke Lyons Insurance provides bespoke luxury home insurance solutions across Australia—whether you live in a heritage, architecturally unique, or high-value property

Protect your most valuable asset with bespoke prestige home insurance tailored for Australia’s finest properties.

Standard home insurance falls short when it comes to architect-designed, custom-built, or heritage luxury homes. At Clarke Lyons, through our specialised brand Luxsure Insurance, we deliver comprehensive, high-value solutions designed for homes that require more than off-the-shelf protection.

What Is Luxury Home Insurance?

Tailored for high-net-worth homeowners, our policies exceed standard insurance coverage by offering:

Full Building Replacement – Agreed or extended replacement value for architecturally significant, custom-designed, or heritage properties.
High-Value Contents Cover – Inclusive coverage for fine art, antiques, high-end furnishings, designer décor, wine cellars, and other luxury items.
Worldwide Cover – Ensuring protection extends beyond Australian borders for your valuables and personal items.
Accidental Damage – Broad coverage both inside and outside the home, with minimal exclusions.
Prestige Motor & Marine Integration – A unified policy that can include your luxury vehicles, boats, or private jets.
Emergency Repair & Concierge Claims Service – Fast-tracked, high-priority claims resolution using vetted expert tradespeople.
Cyber & Identity Protection – Coverage for cybercrime, identity theft, and home system breaches (where available).

Who Needs Luxury Home Insurance?

Your home may benefit from this elite coverage if:

Your building replacement value is worth $2 million or more, or features bespoke architectural design, imported fixtures, or a heritage listing.
You own high-value contents such as jewellery, fine art, collectibles, or custom features like home theatres.
You own multiple residences or travel frequently, and need global coverage.
Privacy, tailored policy structuring, and high-end claims service are priorities for your lifestyle and peace of mind.

Why Choose Clarke Lyons + Luxsure Insurance?

Highly Tailored Coverage – We assess the full value of your home, lifestyle, landscaping, and contents to tailor a policy that fits precisely.
Leading Insurer Access – Our arrangements include top-tier prestige underwriters like Chubb, AIG, Zurich, and more.
Dedicated, Discreet Service – Work with a senior advisor who respects confidentiality and provides professional, concierge-level support.
Claims Support You Can Trust – We provide priority claims management, fast resolutions, and access to premium repair specialists.
Trusted Australian Broker – Independent advice and access to leading prestige insurers.
Specialist in High-Value Home Cover – Tailored insurance for homes typically valued above $2 million.
Comprehensive Protection – Cover for your residence, worldwide contents insurance, and valuable collections.
Agreed Value Policies – Know exactly what you’ll receive in the event of a total loss.

Enhanced Coverage Options

Expand your protection with add-ons such as:

Holiday Homes or Secondary Residences – Extended coverage for investment or lifestyle properties.
Prestige Vehicle Insurance – Combine luxury car cover under the same expert framework.
Luxury Boats & Yachts – Seamless integration for marine craft.
Private Collections & Memorabilia – Cover for rare and special item collections.
Home-Based Business or Office Cover – Protection for high-value business assets used at home.

Optional Features for Ultra-Luxury Homes

To reflect the specific needs of high-end locales and clientele:

Coverage for landscaping, pools, tennis courts, outbuildings, heritage restoration costs, and temporary relocation after a loss.
Cyber risk protection expanding to smart-home vulnerabilities and identity theft (if available).
Agreed value for contents with automatic coverage for newly acquired items over a defined threshold.
Specialist appraisal services to ensure sums insured accurately reflect market-replacement value.

Why a Standard Policy Won’t Do

A standard home insurance policy may have limits on building value, contents cover, or claims service. Our bespoke luxury home policies ensure:

No hidden limits on valuable contents (unless agreed upon).
Access to specialist repairers and restorers.
Worldwide protection for high-value belongings.

Areas & Locales We Serve

We support luxury homeowners throughout Australia’s most prestigious suburbs, including but not limited to:

New South Wales – Vaucluse, Bellevue Hill, Point Piper, Double Bay, Mosman, Dover Heights, Rose Bay
Victoria – Toorak, Brighton, South Yarra
Queensland – Ascot, Hamilton, Noosa Heads
Western Australia – Peppermint Grove, Dalkeith, Cottesloe

If your property is located in any high-value postcode or suburbs like these, we are fully equipped to deliver tailored insurance solutions to match the locale’s exacting standards.

Request a Confidential Quote

Your home deserves the confidence of a fully bespoke, prestige-level insurance solution—delivered with privacy, elegance, and expertise.

Call us today on 1300 18 13 12 , visit luxsureinsurance.com.au to discuss your property and get your confidential insurance quote started.

FAQ

Q1: What qualifies as a luxury home for insurance purposes?
A luxury home rebuild replacement value is typically valued at $2 million or more, or features bespoke architectural design, imported finishes, heritage listing, or extensive high-value contents.

Q2: Does luxury home insurance cover valuable items like art and jewellery?
Yes. Our policies can include worldwide cover for fine art, jewellery, antiques, wine collections, and other high-value possessions.

Q3: Can you arrange cover for homes in multiple locations?
Absolutely. We can arrange tailored cover for multiple residences across Australia and overseas, ensuring a seamless and comprehensive protection plan.

Q4: Is accidental damage covered?
Yes, most luxury home insurance policies we arrange include accidental damage as standard, both inside and outside the home.

Q5: Do you offer coverage for luxury vehicles and boats?
Yes. We can arrange prestige motor vehicle and boat insurance.

Let’s Work Together

Get in touch so we can start working together.