Landlord Insurance

You have worked hard to establish your investment property and income it provides. That is why protection for your investment property is essential. Heritages’ Landlord Insurance includes cover for malicious damage by tenants and offers the option of cover for rent default and theft by tenant. 

Compare Landlord 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.BuildingContents
Insured EventsGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Accidental breakage of glassTickTick
Fire or smokeTickTick
Flood cover1TickTick
Impact damageTickTick
Lightning or thunderboltTickTick
Riot or civil commotionTickTick
Storm, rainwater or run-offTickTick
Theft, burglary or housebreakingTickTick
Water or other liquid damageTickTick
More BenefitsGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Automatic indexation of sums insuredTickTick
Contents in open air at the risk addressTick
Continuation of cover when you are selling your buildingsTick
Household electrical motors up to 15 years old
Landlord’s contents
Up to $10,000 - automatically included when you take buildings cover only
Legal liability
Up to $10,000,000
Mortgage discharge costsTick
Rainwater tanks and solar water heaterTick
Reinstatement of sum insured after a lossTickTick
Removal of debris, professional rebuilding fees and extra costs of complying with building regulationsTickTick
Rental costs after an insured eventTickAvailable under contents cover only when the building is part of a strata
Replacement of locks or cylindersTickTick
Optional Additional CoversGet a QuoteRetrieve QuoteGet a QuoteRetrieve Quote
Rent default and theft by tenant
Landlord Workers’ Compensation6

How to Claim

The fastest, easiest way to claim is via the online claim form. You can submit your claim notification 24/7, whenever it suits you. It takes less than 10 minutes to complete the secure online claim form, and once it is received, one of the friendly claims consultants will contact you as soon as possible.

Alternatively, you can call our 24/7 claims hotline on 1300 555 030 and our consultants will take you through the claims process.
For detailed information on the cover and limits provided, please read the Landlord Insurance Product Disclosure Statement (pdf, 376 KB) and Key Fact Sheets

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 If you purchase insurance Heritage receives commission which is a percentage of premium. Ask us for more information before we provide you with services.

1 Flood Cover is available for all eligible property addresses. Flood Cover is an option on both Building and Contents in home and landlords insurance policies. The cover is designed to protect customers against damage to their building and/or contents in the event of a Flood up to the value of their sum insured. Flood cover is subject to eligibility.
2 Not applicable when an imposed excess applies. 
3 Minimum premiums - Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Home and landlord insurance 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 years premium only (unless stated otherwise)]. 
4 Up to 30% No Claim Bonus - With a No Claim Bonus on home insurance or landlord insurance. 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 and landlord insurance customers must have had no landlord losses in the preceding 3 years. However, customers who have had up to two claims may still qualify for reduced No Claim Bonus.
5 Option to pay by the month - Premiums payable by installments may be subject to minor adjustments (upwards or downwards) due to rounding and financial institution transaction fees may apply. 
6 Landlord Workers’ Compensation is only available in ACT, TAS and WA.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.