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Prestige Home Insurance

Your prestigious home and precious possessions including valuables and fine art should have insurance in place of equal value.

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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

Our homes are often the most important investments we make. Your prestigious home and precious possessions including valuables and fine art should have insurance in place of equal value.

Whilst insurance offered by some direct insurers provides coverage for your standard home, the policies often fall short when taking into consideration your homes unique architectural details and interior, and exterior features. Direct insurance policies often provide inadequate coverage for your fine art,  antique collections, wine collections and valuables.

A Prestige Home insurance policy is designed specifically to afford broader coverage for your home and collections whilst providing a claims service to match.

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 events is my home covered for?
All Prestige Home insurance policies provide coverage, including but not limited to, Accidental Loss or Damage, Fire, Storm, Flood and Personal Liability. Select policies can be extended to provide coverage for Storm Surge and Action by the Sea.
How do I calculate the rebuilding cost of my home?
We recommend engaging a professional risk engineer to conduct an assessment of your home. Following the assessment the risk engineer will provide you with an insurance rebuilding cost that takes into consideration professional fees, removal of debris and rebuilding time, which would be dependent on your homes unique features and location. Most Prestige Home Insurers provide this service but only after you purchase a policy.
When do I need to ‘specify’ items?
Prestige Home insurance policies contain automatic limits for your values and in some instances fine art, antique and wine collections within your contents sum insured. Therefore, it’s important to ensure you are confident that your contents sum insured provides sufficient cover for your special contents and valuables in the event of a total loss. Alternatively, you may wish to specify some items to ensure you have sufficient cover. Insurers use a reduced rate when calculating a premium for specified items and nil excess is applicable in the event of a claim.

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