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.
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.
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.
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.