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Apia Apartment Insurance

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Contents cover

Mozo editorial review Apia Apartment Insurance

Last updated: 21 May 2020.

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What's hot
  • 15% online discount
  • New for old contents replacement
  • Contents covered while you move
What's not
  • No underinsurance protection
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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, alongside important documents and expenses like vet bills or temporary housing for your pets, and replacement of marriage or birth certificates.

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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 you’re the victim of 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.

If you leave some spare cash lying around your flat in case of emergency, Apia will cover that up to the value of $500. Work-related belongings are covered, too. Let’s say you own your own trade tools, they’re covered up to the value of $3,000. Or if you do a lot of work from home, the contents of your home office including any computers are also covered up to the lesser of $10,000 or 25% of the insured contents value. Food and medication spoilage is covered if your fridge or freezer breaks down due to a covered event as well as the cost to replace your locks if your keys are stolen.

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.

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 who call an apartment, unit or flat their home.

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.


Rates and fees information correct as at 12 July 2020. 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.
  • Up to $500

  • Up to $1,500

  • 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

  • Up to $1,000 per item, up to 20% of sum insured

  • Up to $500

  • Up to $1,000

  • Up to $3,000

  • Up to $1,000

  • Up to $10,000, up to 25% of sum insured

Other cover
  • $10,000 for death

  • Up to $1,000

  • Up to $1,000

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation for Pets

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation

  • Up to 10% of sum insured

  • Up to 10% of sum insured

  • Up to 14 days

Policy and service features
  • 60

  • $100

  • Multipolicy

  • 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

  • Optional extra

  • Up to $2,000

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About Apia

See Apia home insurance