- Individuals & Families
- Businesses
- Brokers
From your home and valuables, to prized collections and jewellery, you have a lot to insure. When you insure your home and contents with Chubb, you will receive a high level of service from an insurer who is specialised in working with successful individuals with high value assets.
For professionals in their first luxury apartment, villa or townhouse through to retirees downsizing from a family house, Masterpiece is also ideal for owners and tenants living in luxury apartments, villas and townhouses.
From high-value homes and fine art collections to luxury vehicles and more, we are here to help ensure that what you treasure most is treated with expertise.
With more than 25 years of experience providing travel insurance to Australians, Chubb Leisure Travel Insurance can help protect you and your family while you travel overseas, knowing Chubb support is there if an incident occurs.
Chubb leverages superior underwriting expertise and world renowned claims, account services, and financial strength to offer insurance solutions for small and medium businesses.
Today's multinational organizations face complex and interconnected risks. We offer insurance solutions that are tailored to global needs as well as local requirements, helping them address their risk challenges.
Our broker resources centre provides you with the latest updates, insights, sales tools, training and much more.
Wealth Report
Looking beyond wealth to safeguard legacies for the future
In this year’s edition of Chubb’s Australian Wealth Report, we go beyond the numbers to explore what wealth truly means to today’s HNW individuals in Australia. We examine not only how they earn it, but also how they use it, preserve it, and adapt it in an ever-changing world. Our deep dive also explores critical themes shaping the future of wealth - from cybersecurity and climate risk to the rise of alternative assets.
For the full insights, download the full 2025 Chubb Australia Wealth Report.
Affluent Australians are redefining wealth and protection
Based on a national survey of 200 High Net Wealth Individuals, the report explores how inheritance, lifestyle and legacy are increasingly becoming more central to how High Net Wealth Individuals choose to manage and protect their assets.
This year’s report theme, Beyond Wealth, provides a deeper understanding of the mindset, priorities and risk concerns of High-Net-Worth Australians and offers valuable insights in how they are protecting what matters most, not only for today but for years to come.
Key insights of those surveyed
A quick summary
- Protecting the irreplaceable
- The new face of wealth in Australia
- Building legacies through collections
- Digital doorway - Cyber and AI concerns
- The legacy gap
Protecting the irreplaceable
As wealth portfolios become more diversified, so do the risks that can disrupt them. From financial market fluctuations to personal or family dynamics and increasingly unpredictable climate events, Australia’s wealthy are potentially more exposed than ever.
The new face of wealth in Australia
Amid global uncertainty, younger HNWIs surveyed are strikingly optimistic about the future. Younger, wealthy Australians believe there are more equitable opportunities to build wealth today, with 70% of Gen Z and 68% of millennials agreeing. Compare that to only 60% of boomers and 59% of post-war individuals.
This optimism is reshaping how wealth is pursued and preserved. Younger HNWIs are embracing alternative investment paths, entrepreneurial ventures, lifestyle-focused goals, and early retirement ambitions – a mindset focused on control, impact, and reimagining what prosperity can look like.
Building legacies through collections with purpose
Collections are a major component of the total value of a home and are subject to a wide range of significant risks, as acknowledged by this year’s surveyed individuals. The lesson? As wealth becomes more complex, so must the strategies that safeguard it.
Cyber and AI concerns
As wealth moves further into the digital realm - from online banking and investment platforms to digital assets and cloud-based estate planning - it creates another doorway for cyber criminals to access sensitive personal and financial information. This digital shift demands stronger safeguards, not just for assets, but for identity and privacy as well.
Cyber risk remains a significant concern for many HNWIs. According to our research, around 5% identify it as a significant risk to wealth, with a further 54.5% viewing it as a considerable concern. Older generations, particularly the post-war cohort, are the least likely to perceive emerging technologies as threats.
The legacy gap
As the financial and emotional value of personal collections grow, a critical gap is emerging – protection and succession planning are failing to keep pace with the worth and significance of these assets.
While most affluent Australians say they have a multi-generational wealth transfer strategy in place, many still overlook the fate of their most unique and emotionally significant possessions.
Angela Capponi
Head of International Personal Lines (IPL) for Australia and New Zealand
“At Chubb, we go beyond standard coverage. Our service proposition includes a complimentary home appraisal to determine the correct replacement cost of a home. This service enables us to offer extended replacement cost, protecting customers from inflation and increased building costs. In addition, our Valuable Articles Coverage includes a feature that enables us in certain circumstances to pay for loss of market value as well as repair costs for certain items. It’s about delivering meaningful protection that reflects the true worth of our clients’ most treasured possessions.”
Tailored solutions for a tailored home
A long-term Chubb Masterpiece client in Sydney’s Eastern Suburbs experienced severe kitchen damage after torrential rain flooded their home on a Saturday evening, with water seeping through overhead cabinetry and pooling throughout the space.
Chubb responded immediately with weekend support and deployed a loss adjuster within the week to begin mitigation.
With many original materials no longer available, Chubb engaged specialist suppliers and joiners to recreate the bespoke cabinetry and finishes, delivering a seamless restoration that preserved the integrity of the original design.
What is Masterpiece Homeowners Insurance?
Chubb’s flagship Masterpiece insurance solution for HNWIs and families offers customisable cover for high-value homes, contents, fine art, jewellery, and personal liability.
Designed for those who expect more from their insurance, Masterpiece provides exceptional protection, proactive risk management, and dedicated claims personnel to support clients.
Read the full report to find out how:
- Australia’s HNWIs are redefining what it means to be wealthy
- A changing wealth landscape is reshaping the nature of risk in Australia
- Protection strategies are evolving in response to both traditional and emerging risks