Prestige Home Insurance

Cover at a glance

Replacement coverage for both your home and contents
Worldwide Accidental Damage or Loss cover for your home contents when travelling, in transit or storage
Cash settlement options following a loss

Policy Overview

Your home is not just a place to live—it’s a reflection of your lifestyle and one of the most important investments you’ll ever make. For owners of prestigious homes with unique architectural details, high-value contents, and collections such as fine art, antiques, and wine, standard home insurance policies may not provide sufficient protection. Prestige Home Insurance is specifically designed to offer comprehensive cover that matches the value and significance of your luxury property and treasured possessions.

Unlike standard home insurance policies offered by many direct insurers, Prestige Home Insurance takes into account the unique features of your residence, from high-end architectural elements to bespoke interior and exterior designs. Standard policies often fail to provide adequate coverage for high-value items such as fine art, antique furniture, wine collections, and valuables, leaving homeowners vulnerable to financial loss. Prestige Home Insurance ensures that all these assets are properly protected, offering more extensive coverage for both the structure of your home and the possessions within it.

With Prestige Home Insurance, you not only benefit from superior protection, but also a dedicated claims service that understands the complexity of insuring high-value homes and possessions. The claims process is handled with the utmost care and attention, ensuring that any loss or damage is dealt with efficiently and with respect for the uniqueness of your home and collections. This type of insurance is ideal for homeowners who want peace of mind that their home and possessions are fully protected with a policy tailored to their specific needs.

The information provided on this page that may have been implied is General Advice only and does not take into consideration your specific needs, risk appetite or financial requirements. Please contact our office to discuss and review your needs and the appropriate financial product best suited to meet your requirements . Before purchasing any financial product, you should always read the Product Disclosure Statement to ensure the product is suitable for your needs.

Frequently Asked Questions

What does Prestige Home Insurance cover?

Prestige Home Insurance covers your luxury home and high-value contents, including fine art, antiques, collectibles, and jewellery. It provides protection for both the property’s structure and its unique features, ensuring that your home and possessions are comprehensively insured against a wide range of risks such as fire, theft, accidental damage, and more.

How does Prestige Home Insurance differ from standard home insurance?

Unlike standard home insurance policies, Prestige Home Insurance is tailored to the specific needs of luxury properties. It provides higher coverage limits and includes protection for valuable collections, fine art, and bespoke architectural features that are often excluded or inadequately covered by standard policies. Additionally, it offers more personalised claims service to address the unique risks associated with prestigious homes.

Can I insure my fine art and antiques under a Prestige Home policy?

Yes, Prestige Home Insurance is designed to provide comprehensive cover for high-value items such as fine art, antiques, and rare collections. These items are often excluded or inadequately covered by standard home insurance policies. Prestige Home Insurance ensures that your valuable possessions are protected at their full value in the event of loss or damage.

Does Prestige Home Insurance cover high-end architectural features?

Yes, Prestige Home Insurance takes into account the unique architectural elements of your property, including bespoke designs, high-quality materials, and heritage features. This type of policy is specifically designed to cover the costs of repairing or restoring these unique aspects of your home in the event of damage, ensuring your property maintains its full value and character.

What types of valuables can be covered under a Prestige Home policy?

A Prestige Home Insurance policy can cover a wide range of high-value possessions, including jewellery, fine art, antique collections, luxury watches, wine collections, and other rare or valuable items. Coverage is often broader and more flexible than standard policies, allowing for customised protection based on the specific needs of your home and its contents.

What kind of claims service can I expect with Prestige Home Insurance?

Prestige Home Insurance offers a highly personalised claims service that understands the complexities involved in insuring high-value homes and luxury possessions. Claims are handled with speed, discretion, and attention to detail, ensuring that any loss or damage is dealt with efficiently and with minimal disruption to your lifestyle. The service is designed to provide peace of mind and ensure the best possible outcome in the event of a claim.

Related Services

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Property Insurance provides cover against physical damage to your buildings, contents and equipment.

Motor Vehicle Insurance

Whether you have a fleet of vehicles or only one, Motor Vehicle insurance is an important cover due to the relative frequency of incidents.

Pleasurecraft / Marine Hull Insurance

Pleasurecraft and Marine Hull insurance covers physical damage to your vessel as well as your liability to third parties.

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