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

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: 21 May 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

Apia’s Home Extra Insurance is the real deal 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

As part of 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 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. 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 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 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 Home Extra Insurance. 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 constantly updating Apia so you’re not caught short if something was to go wrong.

Details

Rates and fees information correct as at 31 October 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.
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

  • No

  • 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 20% off the second policy when Car Insurance is purchased with Home Insurance before 29 November 2020.

  • none

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

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Details

Rates and fees information correct as at 31 October 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.
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

  • No

  • 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 20% off the second policy when Car Insurance is purchased with Home Insurance before 29 November 2020.

  • none

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

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Customer Reviews

How are Apia home insurance rated by the Mozo community?

Overall
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 10/10
    Excellent service if you every have to claim.

    Apia have walked me through a very difficult claim, and were patient and helpful to the nth degree. I can't recommend them highly enough.

    Read full review

    Apia have walked me through a very difficult claim, and were patient and helpful to the nth degree. I can't recommend them highly enough.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    9/10
    Less
    Jane, New South Wales reviewed 3 months ago
  • Overall 0/10
    Very disappointing customer service.

    Our dishwasher's computer system failed. After initially being told our claim was all OK, APIA have reneged. They told me to contact our power supplier. We have paid thousands in house and car insurance. About to cancel the lot!

    Read full review

    Our dishwasher's computer system failed. After initially being told our claim was all OK, APIA have reneged. They told me to contact our power supplier. We have paid thousands in house and car insurance. About to cancel the lot!

    Value for money
    6/10
    Policy coverage
    5/10
    Customer service
    2/10
    Claims handling
    0/10
    Trust
    0/10
    Less
    Brian, Victoria reviewed 4 months ago
  • Overall 4/10
    Trusted company.

    Best insurance price.

    Read full review

    Best insurance price.

    Value for money
    4/10
    Policy coverage
    9/10
    Customer service
    4/10
    Claims handling
    7/10
    Trust
    5/10
    Less
    Jennifer, New South Wales reviewed 11 months ago
  • Overall 9/10
    Good

    APIA is great.

    Read full review

    APIA is great.

    Value for money
    9/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    9/10
    Trust
    9/10
    Less
    Heather, Victoria reviewed over 2 years ago
  • Overall 7/10
    Value for money

    All over the they are good

    Read full review

    All over the they are good

    Value for money
    6/10
    Policy coverage
    -
    Customer service
    -
    Claims handling
    -
    Trust
    -
    Less
    Todd, Victoria reviewed over 3 years ago
Apia

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