Platinum Home is designed for professional individuals and established households, who have valuable assets to insure, but may not require the level of cover and service available under Masterpiece.

We understand that your house and what you fill it with are more than just belongings. They often build up over a lifetime and reflect what you have accomplished. Platinum Home offers extensive customer value and is backed by Chubb’s award-winning claims service.

Chubb Platinum Home Insurance Highlights

  • Catastrophe Buffer

    We will pay up to an additional 30% above the sum insured for your house in the event of a total loss as a result of a named catastrophe.

  • Jewellery

    Whether it’s that precious engagement ring or impressive timepiece, Platinum Home provides generous cover for the things you cherish the most.

  • Matching

    If we are unable to match materials used in repairing or replacing your house or contents, regardless of how much or little damage occurs, we will pay up to $10,000 to replace any undamaged materials in order to match.

  • Environmental Cover

    We help you protect the environment by replacing your damaged appliances with a minimum 4-star energy rating. If your house has been totally destroyed, you can choose from a range of eco-friendly home additions when rebuilding your house, putting energy back into the grid.

  • Worldwide Cover

    Your possessions are automatically covered for accidental loss or damage when temporarily removed from your house, even when you’re travelling. We will also cover new contents purchased anywhere in the world, for example, while you are away on holidays.

  • Water Leak Detection

    In the event of a water damage loss exceeding $10,000, we will cover the cost up to $1,000 to install a water leak detection and control system to prevent or mitigate a future occurrence.

Chubb Platinum Home Personal Cyber Insurance Highlights

  • Cyber Attacks

    In keeping with today’s digital home, we want families to have the confidence they are covered for online cyber attacks, including ransomware, malware, financial loss, cyber bullying and breach of personal information which includes identity fraud expenses.

  • Cyber Bullying

    With the increase in social media and time spent online, there is an increased chance of cyber bullying and breach of privacy. We’ll provide financial compensation for expenses incurred.

  • Specialist Support

    In the event of a ransomware attack claim, we have 24/7 support available. A team of cyber specialists will be able to quickly respond to any online threat.

  • Financial Compensation

    In the event of a cyberattack, we’ll help financially by replacing non recoverable account funds from your bank account along with a number of other listed associated costs.

Chubb Platinum Home Insurance Included Extras

  • Emergency Home Assist

    Chubb provides you with referral access to our panel of specialist service providers for up to two call outs per year. Our Chubb Assistance hotline is available 24/7 and includes referral to specialists such as plumbers, locksmiths, electricians, air conditioning professionals and glaziers.

  • Premium Protect

    In the event a bodily injury results directly in accidental death or permanent disablement, we wanted to ensure continuity of your Platinum Home policy without the need to reduce or cancel your cover. We’ll cover your annual premium payments for up to five renewals.

Chubb Platinum Home Insurance Exclusions

Some of the primary exclusions include loss to home & contents caused by:

  • Actions of the sea.

  • Certain events including acts of war, terrorism, nuclear & chemical hazards.

  • Structural movement caused by settling, cracking, shrinking, bulging or expanding.

  • Faulty planning, construction or maintenance.

  • Mould, wear & tear, gradual deterioration, rust and corrosion.

  • Sporting equipment whilst in use.

Chubb Platinum Home Personal Cyber Insurance Exclusions

Some of the primary exclusions for Platinum Home cyber coverage include loss arising or resulting from :

  • A false incident report.

  • Intentional, malicious or fraudulent acts of certain persons.

  • Cyber bullying occurences caused by an employer or co-worker.

  • Business activities or liabilities.

Platinum Home Brochure
Platinum Home Insurance Brochure
Cover your house, so it always feels like home.

Related Products

Chubb Prestige Home and Valuable Articles Insurance
Explore how Chubb can help cover your treasured assets.
For the things that make your house a home, explore Chubb’s masterpiece coverage.

Platinum Home is issued and underwritten by Chubb Insurance Australia Limited ABN 23 001 642 020, AFSL No. 239687 (Chubb). Cover is subject to the terms, conditions, limits and exclusions of the policy. Chubb only provides general advice and does not consider your objectives, financial situation or needs.  To decide if this product is right for you, please read the Platinum Home Product Disclosure Statement and Policy Wording, available at

Have questions?

Contact a broker today.

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