Home Building & Contents Insurance

At Heritage we like to reward good customers. So 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

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
Compensation for Fracture
Limits apply
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
Contents in safe deposit box
Excludes theft and some sub-limits apply
Credit cards - cover for fraudulent use of lost or stolen cards
Up to $5,000
Emergency storage of contents
Up to 12 months
Guests', visitors' and domestic helpers' property
Up to $5,000
Tax Audit
Up to $5,000
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
Legal liability cover
Up to $20,000,000
Security firm attendance
Up to $500
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
Title deeds
Up to $2,000
Veterinary costs
If your dog or cat is injured in a road accident, up to $500
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
Modifications to buildings for paraplegia & quadriplegia
Up to $10,000
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.  

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.