Protect Your Sanctuary with Tailored Personal Insurance
Your home is your safe haven. Secure your physical building, personal belongings, and hard-earned assets against extreme weather, theft, and accidents.
Accurate "Sum Insured" Rebuild Valuations
Your building's sum insured should reflect the actual cost to rebuild your home at today’s prices, not its current real estate market value. At Lesure, we use advanced replacement cost calculators to help you estimate this accurately so you don't end up underinsured.
Total Replacement & Sum Insured options tailored to your property.
Backed by Australasia’s Largest Broker Network
Steadfast Network Member with access to Australasia’s largest general insurance broker network
Comprehensive Portfolio
Domestic Insurance Solutions
Tailored policies designed to safeguard your home, property investments, and private vehicles.
Home and Contents
Safeguard your home and everything inside it against unexpected events, fire, or theft.
Prestige Home and Contents
A premium solution custom-designed to protect luxury homes, high-value properties, and high-end personal collections.
Landlord Insurance
Protect your investment property, rental income, and cover malicious or accidental damage caused by tenants.
Motor Insurance
Comprehensive car insurance to keep your personal vehicle moving safely on Aussie roads.
What Can It Cover?
Building Cover vs. Contents Cover vs. Portable Valuables
Depending on your selected policy, a well-structured home and contents insurance plan can protect your physical building, internal belongings, and valuables on the move.
Pricing Comparison & Bundling
We look for combined policy discounts if you bundle your building and contents together across top Australian insurers.
Physical Building Structure Protection
Covers your physical building structure against flood, fire, explosion, natural disasters (such as earthquakes, storms, or lightning strikes), and damage by vandalism or break-ins.
Key Protection Areas:
Prestige Home & High-Value Contents Insurance
A premium solution custom-designed to protect luxury homes, high-value properties, and high-end personal collections.
Total Replacement Strategy
Promises to rebuild your home to its original condition, avoiding the risk of unexpected underinsurance.
Total Replacement Policy Terms
A Total Replacement policy promises to rebuild your home to its original architectural condition, even if building costs surge due to material and labor spikes.
Specified Items (No Sub-Limits)
Standard policies have 'sub-limits' on luxury items. We help you list high-value pieces as 'Specified Items' so art, jewellery, and collections are fully covered for their actual worth.
Worldwide Portable Contents
Standard insurance only covers items inside your property. Portable cover protects engagement rings, luxury watches, laptops, and cameras outside the house worldwide.
Fast Claims Advocacy
End-to-end claims advocacy. When an incident occurs, our senior brokers handle the entire claims process while you focus on what matters most.
Premiums May Be Tax-Deductible*
Under ATO rules, landlord insurance premiums on income-producing properties may be tax-deductible. Consult your accountant or tax adviser.
Cover for Your Rental Property & Investment Income
Protecting an investment property requires more than basic home cover. Secure your building, contents, and cash flow against extreme weather, tenant default, and unexpected damage.
Building & Natural Disasters
Cover for storm, fire, and explosion under your landlord building insurance policy (flood cover varies by insurer).
Tenant-Related Risks & Malicious Damage
Loss or damage caused by tenants or their visitors, including malicious damage and theft.
Rental Income Protection & Default
Optional cover for loss of rent if your property becomes uninhabitable or if tenants default on payments.
Legal Liability & Tax Audit Cover
Liability cover for third-party injury on-site, plus tax audit cover (limits vary by policy) for rental compliance reviews.
"Total Replacement" vs. "Sum Insured" Policies
Your building's sum insured should reflect the actual cost to rebuild your home at today’s prices, not its current real estate market value. At Lesure, we use advanced replacement cost calculators to help you estimate this accurately so you don't end up underinsured.
"Sum Insured" Policy
A Sum Insured policy covers you up to a specific dollar limit stated in your contract. If rebuilding costs exceed this figure due to surges in labor and material prices, you risk having to pay the shortfall out of pocket.
- •Covers you up to a nominated maximum dollar sum.
- •Must reflect current rebuilding costs, demolition, and council fees.
- •Requires annual sum-insured reviews as inflation and trade costs rise.
"Total Replacement" Policy
A Total Replacement policy is broader—subject to policy conditions, it aims to rebuild your home to its original standard even if costs exceed estimates due to post-event price spikes.
- Covers reconstruction to original standard, subject to policy terms.
- Absorbs sudden post-disaster spikes in trade labor and building supplies.
- Helps protect against severe underinsurance gaps after major events.
Advanced Replacement Cost Calculators: At Lesure, we use advanced replacement cost calculators to help you estimate your building sum accurately so you don't end up underinsured.
The Lesure Advantage
Why We’re Different
Broker advice backed by the Steadfast network and decades of underwriting experience.
Why Australian Home & Vehicle Owners Trust Lesure
We provide broker guidance, full claims support, and Steadfast policy wordings—ensuring your high-value home, investment property, or vehicle is protected with exclusions explained upfront.
Steadfast Network Leverage
Access exclusive policy wordings and competitive options from 140+ insurers through the Steadfast network.
Bespoke, Tailored Precision
Purpose-built policies designed around your specific trade, contracts, and actual business risk profile.
Fast Claims Support
End-to-end claims advocacy. When an incident occurs, we handle the entire process while you focus on your business.
Transparency & Bilingual Support
Clear policy reviews in English or Vietnamese, with the key terms and exclusions explained before you buy.
Frequently Asked Domestic Insurance Questions
Start Your Protection Today
Enjoy total peace of mind against every risk with comprehensive protection from Lesure.