Apia Building Insurance

This product is available in different versions. Pick the right version for you here.

The details shown below are for the Home Extra Insurance

The details shown below are for the Home Insurance

Choose the version of this loan that suits you best

  • Home Extra Insurance

  • Home Insurance

Apia Building Insurance

Apia Building Insurance

Mozo Review   Apia Building Insurance Review

Last updated: 5 September 2018.

What's hot:
  • 15% online discount

  • Pay monthly at no additional cost

  • Choice of excess

What's not:
  • No underinsurance protection

Mozo snapshot:

Apia’s Home Extra Insurance is the real deal if you’re looking for a comprehensive level of cover at an affordable price. A policy that oozes of flexibility, Apia gives you the option to pay your premium on a month-to-month basis at no additional cost and also allows you to choose the amount of excess you’ll pay,, all the while offering a neat 15% discount for getting a quote online.

Key features:

As part of Apia’s Home Extra Insurance, your humble home will be covered in the event of a host of natural happenings such as a bushfire, tsunami, earthquake, storm or lightning strike. But you’re also covered for human-based damage such as vandalism or if you’re the victim of a burglary. While this level of policy covers you in almost any situation it is important to know that if your home is damaged by a power or storm surge then you might not be covered so read through the PDS before deciding if this is the right policy for you.

It is great knowing that your home is covered for damages from such a large scope of events but you will probably be wanting to know exactly what is covered under Apia’s Home Extra Insurance. Beyond the bricks and mortar of your house, Apia also covers you for damage to any retaining walls, landscaping, gates or fences and clotheslines. If you’ve recently kitted your home out with solar panels, Apia will cover you for those as well as any water tanks, pools or spas that are fixed to your property. While Home Extra doesn’t cover you for any buildings that are currently in construction on your property, it will cover building materials up to the value of $1,000.

Aside from the 15% online discount that Apia provides, you will also be able to drive down your premium if you bring over or have any other insurance policies such as health or car insurance with Apia. If you’d like the convenience of having both your home and contents covered by Apia you’ll be rewarded even further with a combined policy discount.

Who it's good for:

Older homeowners across the country who are looking for a comprehensive policy that won’t break the bank should definitely check out Apia’s Home Extra Insurance. Across its entire insurance range, Apia recognise that those with a little more life experience than the rest deserve some credit and will reward you with a cheaper home insurance premium if you’re over the age of 50.

Any catches?

Without any underinsurance protection, you need to make sure your home is insured for its absolute worth. If you’re installing a new spa, extending the balcony or have recently upgraded your fence, make sure you’re constantly updating Apia so that you’re not caught short if something was to go wrong.

Details

Rates and fees information correct as at 21 August 2019. 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.
Buildings
  • Up to $1,000

  • Up to $300 per plant up to $3,000

Events
  • Up to $2,000

Policy and service features
  • 60

  • $100

  • Combined policy, Multi-policy, online discount

  • Up to $20,000,000

Other cover
  • $10,000 for death

  • 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 combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Up to 10% of sum insured

Details

Rates and fees information correct as at 21 August 2019. 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.
Buildings
  • Up to $1,000

  • Up to $200 per plant up to $2,000

Events
  • Optional extra

  • Up to $2,000

Policy and service features
  • 60

  • $100

  • Combined policy, Multi-policy, online discount

  • Up to $20,000,000

Other cover
  • $10,000 for death

  • 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 combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Up to 10% of sum insured

Customer Reviews

How are Apia home insurance rated by the Mozo community?

Overall customer rating
8.6/10
Value for money
8.2/10
Policy coverage
8.3/10
Customer service
8.6/10
Claims handling
8.2/10
Trust
8.4/10

Latest reviews of Apia Building Insurance

  • Overall
    9/10
    Good

    APIA is great.

    APIA is great.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10

    Heather | Victoria

    reviewed over 1 year ago

  • Overall
    7/10
    Value for money

    All over the they are good

    All over the they are good

    Value for money
    6/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -

    Todd | Victoria

    reviewed over 2 years ago

  • Overall
    9/10
    Great insurer for the over 55's

    I was able to bundle my house and contents insurance as well as my comprehensive car insurance to...

    I was able to bundle my house and contents insurance as well as my comprehensive car insurance to get a great rate. I am able to make my monthly premium payments without any surcharge. They were cheaper than Coles or Woolworths for the same product. I don't have any dislikes.They are easily accessible by telephone and promptly attend to my queries.

    Value for money
    8/10
    Policy coverage
    7/10
    Customer service
    9/10
    Claims handling
    5/10
    Trust
    8/10

    John | Queensland

    reviewed over 3 years ago

  • Overall
    9/10
    Very competitive and easy to talk to.

    They are a company that for older people, and make it easy to understand and claim when necessary.

    They are a company that for older people, and make it easy to understand and claim when necessary.

    Value for money
    7/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10

    Roya | Queensland

    reviewed over 3 years ago

  • Overall
    8/10
    Good premiums and service on the phone

    They are great on the phone when you ring with any questions.

    They are great on the phone when you ring with any questions.

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    8/10

    Susan | Victoria

    reviewed almost 4 years ago

Apia

About Apia

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