Prestige Home InsuranceBespoke protection for your luxury home and contents What is Prestige Home Insurance?Prestige Home Insurance is tailored specifically for high-value properties and their unique contents. It goes beyond standard home insurance to offer extensive protection for luxury homes, valuable collections, and unique lifestyle needs. Who Should Consider Prestige Home Insurance?This cover is ideal for homeowners with properties typically valued at over $1 million, or those who own high-end items like art, antiques, bespoke jewellery, or luxury furnishings. If your lifestyle includes rare collections or custom-built features, this insurance is designed for you. What Can Be Covered?This type of insurance offers broader protection, including:
Key Features and Benefits
Get a QuoteTalk to us today about protecting your luxury home with confidence. |  |
What is Prestige Home Insurance?
Prestige Home Insurance is tailored for high-value properties and individuals with distinctive assets and lifestyles. This type of cover goes beyond standard home insurance, offering broader protection for luxury homes, bespoke contents, and personal liability risks. Whether it’s fine art, wine collections, or architect-designed homes, Prestige Insurance provides peace of mind by ensuring your property is protected at its true value.
Who should consider Prestige Home Insurance?
This policy is designed for homeowners with luxury properties, unique possessions, or specific lifestyle risks not covered under standard insurance. It’s ideal if you:
- Own a heritage, architect-designed, or high-value home
- Have fine art, antiques, or bespoke furniture
- Travel frequently with valuable personal items
- Require higher limits for legal liability or specialist repairs
What can be covered?
Main Covers
Guaranteed Replacement CostYour home can be rebuilt to its original condition, including any architectural features, without depreciation or set policy limits. | Worldwide Cover for ContentsYour personal belongings are protected anywhere in the world—whether at home, in transit, or while travelling overseas. |
Cash Settlement OptionYou can choose to receive a cash payout instead of proceeding with a repair or replacement, depending on your preference. | Alternative AccommodationIf your home becomes uninhabitable due to an insured event, receive up to four years of alternative accommodation at a similar standard. |
Extensions
Cyber and Identity Theft ProtectionProtects you from losses caused by cyber attacks, online fraud, and identity theft. | High-Value Item CoverAdditional protection for collections such as watches, wine, musical instruments, or rare books. |
Complimentary Covers
Specialist Claims SupportAccess to a dedicated team for fast and sensitive handling of complex or large claims. | Golf Buggy and Boat Jetty CoverIncludes cover for personal-use buggies and private boat jetties on your property. | Wine SpoilageCover for spoiled wine collections due to temperature changes, power failure, or natural disasters. | Home Office EquipmentCover for your work-from-home equipment including computers and furnishings used for business purposes. |
Claims Examples
Fire Damage to High-Value PropertyDuring a bushfire, the insured property was severely damaged. The policy covered the full cost of repairs, including the restoration of rare furniture and artworks, which were carefully restored to their original condition. The insured also received compensation for temporary accommodation until the home was fully restored. | Worldwide Theft of JewelleryWhile travelling overseas, the insured's valuable jewellery was stolen. The policy covered the theft, providing compensation to replace the stolen items. The insured was reimbursed for the full replacement cost without depreciation. |
Flood Damage to Luxury HomeHeavy rains caused significant flooding, damaging the insured's home and contents. The policy covered the rebuilding of the home, including the replacement of high-end furniture, and additional cover for the cost of alternative accommodation for several months while repairs were underway. | Cyber Attack on Personal DevicesA cyber attack compromised the insured's personal information and financial data. The policy provided coverage for identity theft recovery, including legal fees and credit monitoring services, to help restore the insured’s reputation and finances. |
Other Covers to Consider
Example Cover Heading 1
Ensure your valuable assets are protected with our range of tailored insurance options. We cover more than just the basics, so you can have peace of mind knowing your property and possessions are fully protected.
Find out more about this cover
Example Cover Heading 2
For additional peace of mind, our policy includes options for specialised covers, from flood to fire damage and more. Explore our comprehensive packages to suit your needs.
Discover this cover option
Example Cover Heading 3
Protect your assets with tailored insurance options that go beyond the ordinary. From high-value items to natural disaster protection, we’ve got you covered.