Home & Contents Insurance

Insure your valuable assets with home buildings and contents insurance through Heritage.

Insurance Features

Heritage offers home buildings and contents insurance with a range of features and benefits. Whether you are looking for cover for insured events or cover for accidental loss or damage, we may be able to assist.

  • Save up to 10% on your first year's premiums for your new home insurance policy when you buy online1,2
  • Up to 30% No Claim Bonus1,3
  • The option of cover to protect your portable items away from home (available only with contents cover)
  • Option to pay by the month at no extra cost4
  • 24/7 claims lodgement service

By proceeding to get a quote, you agree to receive the Financial Services Guide on our website. 

Switch your insurance to Heritage and deal with the people you know

Plus, take out a new Home or Landlord insurance policy through Heritage Bank by 31 October, and you could win your first year's insurance premium back - up to $2,000!Get a quote online today or contact us on 13 14 22 to get started.

^Terms and conditions apply

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Home Insurance products

Classic Home Insurance

Classic Home Insurance can insure your home and contents against a wide range of events such as fire, storm and theft. It also includes benefits such as cover for fraudulent use of lost or stolen credit cards (available with contents cover only), legal liability cover up to $20 million, and fusion cover - for example, if your fridge motor burns out.
  • Accidental breakage of glass
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Impact damage
  • Lightning or thunderbolt
  • Malicious acts
  • Riot or civil commotion
  • Storm, rainwater or run-off
  • Theft, burglary or housebreaking
  • Water or other liquid damage

Prestige Home Insurance

Prestige Home Insurance provides cover for accidental loss or damage to your buildings and/or contents. Compared with Classic Home Insurance, it also provides additional benefits and some higher policy limits.


Accidental Loss or Damage (conditions and exclusions apply)
Compare Home & Contents Insurance

This is a summary only. For the standard terms, conditions, limits and exclusions of cover, please refer to the Classic Home Insurance Product Disclosure Statement and the Prestige Home Insurance Product Disclosure Statement.

Key Benefits

If an electrical current damages a household electrical motor.

Classic Yes, for motors up to 10 years old.
Prestige Yes, for motors up to 12 years old.

If you accidentally break a bone, anywhere in Australia.

Classic Yes. Limits and exclusions apply. 
Prestige Yes. Limits and exclusions apply. 

If the key for the lock of any external door or window at your risk address is stolen during the period of insurance, or there are reasonable grounds to believe that the key(s) have been duplicated.

Classic Yes, up to $1,000 per claim.                                                               
Prestige Yes, up to $2,000 per claim.

If you make a claim during the period of insurance, the sums insured for your buildings/and or contents will be adjusted with reference to the Consumer Price Index from the effective date of the current period of insurance.

Classic Yes                                                                                         
Prestige Yes

If you suffer fatal injury caused by burglars, house breakers or fire at your insured address.

Classic Yes. Up to 10’000 will be paid to your estate
Prestige Yes. Up to 10’000 will be paid to your estate

By proceeding to get a quote, you agree to receive the Financial Services Guide on our website. 

Other benefits if you insure your building

Cover to install a rainwater tank, solar power system, hot water exchange system or grey water recycling system, if your building is totally destroyed by an insured event.

Classic Yes, up to $2,000.                                                                                           
Prestige Yes, up to $2,000.

Cover for the cost of landscaping to replace fixed trees, plants and shrubs that were planted in the ground and have been lost or damaged by an insured event covered in your policy (excluding damage caused by storm, rainwater or run-off). 

Classic Yes. Limits and exclusions apply.                                                                            
Prestige Yes. Limits and exclusions apply. 

Cover to reimburse your reasonable legal costs for the discharge and replacement of your mortgage(s) if your building is totally destroyed by an insured event.

Classic Yes, up to $5,000 per claim.                                                                         
Prestige Yes, up to $5,000 per claim.
Classic Yes, conditions and exclusions apply.
Prestige         Yes, conditions and exclusions apply.
Other benefits if you insure your contents

If your dog or cat is injured in a road accident.

Classic Yes, up to $500                                                                                           
Prestige       Yes, up to $500                                                                                           
Classic   Yes, limited to certain insured events and sub-limits for selected contents apply.                                                        
Prestige                Yes, limited to certain insured events and sub-limits for selected contents apply.
Classic      Yes, up to $500
Prestige      Yes, with no specified limit                                                                             
Classic      No
Prestige      Yes. Limits and exclusions apply.                                                                              

Cover if your credit card or ATM card is lost or stolen and you are legally liable to pay for the credit given to anyone who has found or stolen your card.

Classic Yes, up to $5,000 per claim.                                                                                          
Prestige Yes, up to $5,000 per claim.
Classic      Yes, up to $5,000 per claim.                                                                             
Prestige      Yes, up to $5,000 per claim.
Classic      Yes, excludes theft and some sub-limits apply                                                                             
Prestige      Yes, excludes theft and some sub-limits apply
Classic Yes, limited to certain insured events and sub-limits for selected contents apply.
Prestige      Yes, limited to certain insured events and sub-limits for selected contents apply.

Cover for reasonable costs to move and store your contents while you’re building is being repaired or rebuilt following a major insured event.

Classic Yes, up to 12 months                                                                                             
Prestige Yes, up to 12 months                                                                              
Classic Yes, up to $5,000 per year.
Prestige      Yes, up to $5,000 per year.                                                                              
Classic No
Prestige      Yes, up to $5,000 per year. Exclusions apply.                                                                              
Classic  Yes, up to $20,000,000.                                                                             
Prestige       Yes, up to $20,000,000.

If a security firm attended your insured address in response to a monitored alarm signal, and your claim for burglary, housebreaking or theft has been approved.

Classic  Yes, up to $500.                                                                                                                 
Prestige  Yes, up to $500.
Classic Yes, up to $2,000                                                                             
Prestige      Yes, up to $2,000

By proceeding to get a quote, you agree to receive the Financial Services Guide on our website. 

Optional additional covers

Flood

Flood may be available as an optional cover if your home/situation/risk address is one for which we offer flood cover. You can ask one of our consultants if flood cover is offered.

Personal Effects

Personal Effects cover can be added onto your policy if you wish to insure your personal items for accidental loss or damage. You can insure Unspecified Personal Effects up to certain claim limits or list Specified Personal Effects on your policy. Exclusions and limits apply so please refer to the Classic Home Insurance Product Disclosure Statement and the Prestige Home Insurance Product Disclosure Statement before deciding on your level of cover.

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