The details shown below are for the Home Extra Insurance

The details shown below are for the Home Insurance

Choose the version of this product that suits you best

  • Home Extra Insurance

  • Home Insurance

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

Mozo editorial review Apia Building Insurance - last updated: 30 November 2020

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What's hot
  • 15% online discount
  • Pay monthly at no additional cost
  • Choice of excess
What's not
  • No underinsurance protection
Mozo snapshot

You'll find a great deal with either Apia’s standard Home Insurance or Home Extra Insurance if you’re looking for a flexible, comprehensive level of cover at an affordable price. Apia gives you the option to pay your premium on a month-to-month basis at no additional cost and allows you to choose the amount of excess you’ll pay, all the while offering a neat 15% discount for getting a quote online.

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Key features

With the standard cover and the higher coverage level (Apia’s Home Extra Insurance), you'll be covered should bushfires, tsunamis, earthquakes, storms or lightning strikes blight your humble abode. But you’re also covered for human-based damage such as vandalism and burglary. 

While both levels cover you in a wide range of situations, it is important to know that if your home is damaged by a power or storm surge then you might not be covered. Read through the PDS before deciding if this is the right policy for you, and remember the Home Insurance and Home Extra Insurance have difference levels of coverage.

It is great knowing your home is covered for damages from such a large scope of events, but let's get down to the details. Beyond the bricks and mortar of your house, Apia also covers you for damage to any outdoor walls, 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 and the standard policy option don't cover you for any buildings that are currently under construction on your property, it will cover building materials when securely stored on the premises.

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.

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Who is it good for

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

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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 updating Apia so you’re not caught short if something was to go wrong.

Details

Rates and fees information correct as at 20 September 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.
Buildings

Yes

Up to $1,000

Up to $300 per plant up to $3,000

Yes

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

No

Yes

$100

true

yes

Combined policy, Multi-policy, online discount

Yes

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

Other cover

$10,000 for death

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 combined with demolition cost

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

Up to 10% of sum insured

*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.

Details

Rates and fees information correct as at 20 September 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.
Buildings

Yes

Up to $1,000

Up to $200 per plant up to $2,000

Yes

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Policy and service features

60

No

Yes

$100

true

yes

Combined policy, Multi-policy, online discount

Yes

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

Other cover

$10,000 for death

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 combined with demolition cost

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

Up to 10% of sum insured

*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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