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.
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 10% 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.
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.
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.
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No |
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Up to $1,500 |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 per item |
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Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections |
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Up to $2,000 per item, up to 20% of sum insured |
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No |
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Up to $500 |
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Up to $1,000 |
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Yes |
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Up to $3,000 |
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Up to $1,000 |
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Yes |
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$10,000 for death |
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Up to $1,000 |
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Up to $1,000 |
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Up to 10% of sum insured combined with Temporary Accommodation for Pets |
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Up to 10% of sum insured combined with Temporary Accommodation |
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Up to 10% of sum insured |
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Up to 10% of sum insured |
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No |
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No |
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Up to 14 days |
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Yes |
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60 |
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No |
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Yes |
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$100 |
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true |
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yes |
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Multipolicy, online discount |
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Yes |
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Up to 180 days, up to $2,500 per item, up to 20% of sum insured |
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Up to 20% of sum insured |
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Up to $20,000,000 |
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Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia. |
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none |
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Optional Extra |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Up to $2,000 |
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No |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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Yes |
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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.
Very poor and dishonest. Untrustworthy senior claims manager approved and said they would pay our claim for tenant default due to Covid but the APIA technical officer claimed to know the policy wording backwards and weaselled out of it. This company's and Suncorp's claims department is not to be trusted. Do not purchase any of their insurance products, no use paying premiums for years and years and then the insurance company cannot honour a claim they agreed to pay.
Read full reviewVery poor and dishonest. Untrustworthy senior claims manager approved and said they would pay our claim for tenant default due to Covid but the APIA technical officer claimed to know the policy wording backwards and weaselled out of it. This company's and Suncorp's claims department is not to be trusted. Do not purchase any of their insurance products, no use paying premiums for years and years and then the insurance company cannot honour a claim they agreed to pay.