Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
n/a
Contents cover

Mozo editorial review Apia Apartment Insurance - last updated: 15 April 2021

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What's hot
  • 15% online discount
  • New for old contents replacement
  • Contents covered while you move
  • A work less, pay less discout
What's not
  • No underinsurance protection
Mozo snapshot

Apia offers a complete policy that will protect your contents for a host of unexpected events. Apia’s Apartment Insurance gives apartment owners and tenants alike peace of mind, knowing all your belongings are covered in case of natural disasters or malicious damage, alongside expenses like vet bills or temporary housing for your pets.

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Key features

If you want a policy that will cover your contents in the case of a whole range of accidents and incidents, Apia’s Apartment Insurance has you covered. You can rest easy knowing that if there is a flood, storm, fire, lightning strike, earthquake, tsunami, burglary or accidental glass breakage, you’re covered up to the sum insured. Just be aware that if the damage is caused by a storm surge or your appliances are ruined by a power surge and it isn’t the result of any of the events listed above, then you won’t be covered.

Work-related belongings are covered alongside your personal items. Your trade tools and other business equipment is covered up to the value of $3,000, but remember this doesn't include your home office.  

Just remember, some personal valuables will only be covered if you opt-in to include them (generally for an extra premium), so make sure you check your PDS for the details.

Apia makes its apartment insurance that bit more affordable by offering a couple of key discounts. By getting a quote online you will be up for a tidy 15% discount and if you have any other insurance policies with Apia you could also score a multi-policy discount that will drive down your premium. 

Plus, if you work less than 37 hours a week, you can score Apia's Work Less Pay Less discount, since you'll be around the house more often and able to address any emergencies as they arise.

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Who is it good for

Renowned as the insurer for over 50’s, Apia is a good option for those with a little more life experience and fewer weekly work hours who call an apartment, unit or flat their home.

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Any catches

It is worth noting Apia don’t offer underinsurance protection as part of its Apartment Insurance so make sure you’re insuring your contents for their full worth and updating your insurer with any new purchases so you’re not caught financially short if something were to happen.

Details

Rates and fees information correct as at 18 October 2021. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Contents

No

Up to $1,500

Yes

Yes

Yes

Yes

Up to $2,000 per item

Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections

Up to $2,000 per item, up to 20% of sum insured

No

Up to $500

Up to $1,000

Yes

Up to $3,000

Up to $1,000

Yes

Other cover

$10,000 for death

Up to $1,000

Up to $1,000

Up to 10% of sum insured combined with Temporary Accommodation for Pets

Up to 10% of sum insured combined with Temporary Accommodation

Up to 10% of sum insured

Up to 10% of sum insured

No

No

Up to 14 days

Yes

Policy and service features

60

No

Yes

$100

true

yes

Multipolicy

Yes

Up to 180 days, up to $2,500 per item, up to 20% of sum insured

Up to 20% of sum insured

Up to $20,000,000

Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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