Home Building & Contents Insurance

Save up to 40% on home insurance

At Heritage we like to reward good customers. So if you’ve got a great claims history#, why not see what discounts you could get by buying a building and contents policy online.

Choose your coverage

Classic Home Insurance

Classic Home Insurance protects you against a wide range of events such as fire, storm and theft and also includes benefits such as cover for fraudulent use of lost or stolen credit cards, fusion cover if, for example, your fridge motor burns out and legal liability cover up to a maximum amount of $20 million.

Prestige Home Insurance

Prestige Home Insurance covers accidental loss or damage to your buildings and/or contents (i.e. unlike Classic Home Insurance, it's not limited to cover for a specific set of events). Compared with Classic Home Insurance, it also provides additional benefits and some higher policy limits. 

Compare Home & Contents Insurance

ClassicPrestige
This is a summary only. For full details of the conditions, limits and exclusions on all our cover options, please refer to the PDS.ClassicPrestige
Key BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Events covered
  • Accidental breakage (of glass)
  • Earthquake and tsunami
  • Explosion
  • Fire or smoke
  • Flood1 (Optional)
  • 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
Any Accidental Loss or Damage
(unless specifically excluded)
Automatic indexation of sum insuredTickTick
Compensation for death
Up to $10,000
TickTick
Compensation for Fracture
Limits apply
TickTick
Fusion of electric motorsMotors up to 10 years oldMotors up to 12 years old
Replacement of locks and cylindersUp to $1,000Up to $2,000
Home & Contents and Contents Only BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Accidental Breakage of glassTickTick
Contents in open air at the risk address
Limited to certain events and sub-limits for selected contents apply
TickTick
Contents in safe deposit box
Excludes theft and some sub-limits apply
TickTick
Credit cards - cover for fraudulent use of lost or stolen cards
Up to $5,000
TickTick
Emergency storage of contents
Up to 12 months
TickTick
Guests', visitors' and domestic helpers' property
Up to $5,000
TickTick
Tax Audit
Up to $5,000
TickTick
Legal Defence Costs
Up to $5,000
Transit to your new place of residence
Must be within 100km of residence and limited to certain events
Tick
Legal liability cover
Up to $20,000,000
Security firm attendance
Up to $500
TickTick
Spoilage of refrigerated / freezer foodUp to $500No specified limit
Temporary removal of Contents from your risk address
Limited to certain events and some sub-limits apply
TickTick
Title deeds
Up to $2,000
TickTick
Veterinary costs
If your dog or cat is injured in a road accident, up to $500
TickTick
Home & Contents and Building Only BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Environmental BenefitsTickTick
LandscapingUp to $2,000Up to $5,000
Mortgage Discharge Costs
Up to $5,000
TickTick
Modifications to buildings for paraplegia & quadriplegia
Up to $10,000
TickTick
For detailed information on the cover and limits provided, please read the Classic Home Insurance Product Disclosure Statement (pdf, 376 KB), the Prestige Home Insurance Product Disclosure Statement (pdf, 398 KB) and Key Fact Sheets.  

Up to 10% discount when you buy online - Applies to the first year’s premium only (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via other methods.

New for old replacement – At the discretion of the insurer and subject to availability of replacement item.

To qualify for the maximum No Claim Bonus of 30%, Home insurance customers must have had no Home or Contents insurance claims in the preceding five years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.

Option to pay by the month at no extra cost - Premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply.

Heritage Bank Ltd (Heritage) ABN 32 087 652 024 AFSL 240984 arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No 234708 (Allianz). Policy terms, conditions, limits and exclusions apply. We do not provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision about insurance, please consider the Product Disclosure Statement available from Heritage Bank at Heritage.com.au. If you purchase insurance Heritage receives commission which is a percentage of premium. Ask us for more information before we provide you with services.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Up to 40% discount is made up of three discounts. First discount is up to 30% No Claim Bonus, second discount is up to 10% for combining buildings and contents covers on the one policy and the third discount is up to 10% discount for buying online. If you are eligible for more than one, we apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. Discounts may not be applied to any flood component of the premium (if applicable). Any online discounts offered are applied to our standard rates (excluding optional covers) and are for the first year’s premium only (unless stated otherwise).