Apia - Contents Insurance

Apia Contents Insurance Review

Rates and fees information correct as at 10 December 2018.

Review published: 20 September 2017

What's hot:

  • 2017 Mozo Experts Choice Winner

  • 15% online discount

  • Contents covered while moving

  • Choice of excess

What's not:

  • No underinsurance protection

Mozo snapshot:

Apia’s highest level of cover, Contents Extra Insurance, will ensure that all of your precious belongings are taken care of in the event of an incident. This policy will give you the flexibility to choose your individual excess and offers you a couple of convenient discounts to make your premium that little bit more affordable.

Key features:

At this level of cover, Apia are protecting your belongings in the event of a number of wide-ranging accidents. For instance, if you’re the victim of a flood, fire, storm, lightning strike, tsunami, burglary or even if you accidentally break some glass - you’re covered. To that list you can add riots and vandalism or any damage caused by a falling tree or powerline. Just be aware that there are some exclusions relating to storm and power surges so read your PDS carefully.

Now that you know when you’ll be covered and when you won’t, you’ll be wanting to know what is covered by Apia’s Contents Extra Insurance. The good news here is that, being its highest level of cover, Apia will stump up some serious cash to replace your possessions as new-for-old. If your jewellery is stolen, for example, Apia will pay for the costs to replace it up to the value of $2,500 per item or if any personal medical equipment is damaged, it will be replaced, too. Computer and home office inventory are covered as standard for this policy but if you’re into your photography, be sure to select camera cover as an optional extra.

Apia will reward tech savvy customers who get a quote online with a 15% discount on your Contents Extra premium. If you have your car or health insurance with Apia, be sure to enquire about the multi policy discounts that are available to customers with more than one insurance policy.

Who it's good for:

Apia recognise those with a little more life experience than the rest and therefore will offer you a cheaper premium if you’re over the age of 50. If you want the flexibility to choose your amount of excess and will stay on top with updating your contents insurance policy as you bring new belongings into your home, this could be the right policy for you.

Any catches?

Without the safety net of underinsurance protection, it will be super important to update Apia if you are to bring new gadgets into your home or splash out on some new jewellery.

How is Apia home insurance rated by the Mozo community?

Product Type Overall Rating Price Features Service Claims Handling Trust
Apia home insurance
8.6

Based on 324
Apia home insurance reviews

8.2 8.3 8.6 8.2 8.4

Latest reviews of Apia Contents Insurance

Apia

Apia Contents Extra Insurance home insurance review

Overall rating   10 / 10

Competitive premiums and service

They look after pensioners.

Full review

They look after pensioners.

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

John, Queensland, reviewed 18 days ago

Apia

Apia Contents Extra Insurance home insurance review

Overall rating   10 / 10

Most trust worthy

Apia is a reliable company, quick with repairs or replacements.

Full review

Apia is a reliable company, quick with repairs or replacements.

    Policy coverage   10 / 10

    Customer service   10 / 10

    Claims handling   10 / 10

    Trust   10 / 10

Less

Glenda, New South Wales, reviewed about 2 months ago

Apia

Apia Contents Extra Insurance home insurance review

Overall rating   10 / 10

Customer service is a priority with this insurer

Apia provided good service especially over the phone. Charges are reasonable for the level of service you require although interest rates require comparison with other providers. English over the phone is exceptional and friendly.

Full review

Apia provided good service especially over the phone. Charges are reasonable for the level of service you require although interest rates require comparison with other providers. English over the phone is exceptional and friendly.

    Value for money   10 / 10

Less

Louise, Tasmania, reviewed over 1 year ago

Apia

Apia Contents Extra Insurance home insurance review

Overall rating   9 / 10

Great company for insurance

Apia are quick and efficient in processing claims.

Full review

Apia are quick and efficient in processing claims.

    Value for money   9 / 10

Less

Michael, New South Wales, reviewed over 1 year ago

Apia

Apia Contents Extra Insurance home insurance review

Overall rating   10 / 10

Caring and helpful staff

I have not been a client of APIA for two years now, but when they handled my contents insurance they were great and after we had a break in they were kind and caring. Our claim was settled in a quick and efficient way and I will be going back to...

Full review

I have not been a client of APIA for two years now, but when they handled my contents insurance they were great and after we had a break in they were kind and caring. Our claim was settled in a quick and efficient way and I will be going back to APIA in the near future.

    Value for money   10 / 10

Less

Gloria, New South Wales, reviewed over 1 year ago

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Currently showing

Contents

  • Up to $500

  • Up to $2,500

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $3,000 per item

  • Up to $3,000 per item, up to 20% of sum insured, up to $3,000 for collections

  • Up to $2,500 per item, up to 20% of sum insured

  • Up to $2,000 per item, up to 20% of sum insured

  • Up to $1,000

  • Up to $1,000

  • Up to $3,000

  • Up to $1,000

  • Up to $15,000, up to 25% of sum insured

Other cover

  • Up to $10,000

  • Up to $1,000

  • Up to $1,000

  • Up to 10% of sum insured

  • Up to 10% of sum insured

  • Up to 14 days

Policy and service features

  • 60

  • $0

  • Combined policy, Multi-policy, online discount

  • Up to 180 days, up to $2,500 per item, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Up to $2,000

Contents

  • Up to $500

  • Up to $1,500

  • Software and Hardware up to sum insured

  • Optional extra

  • Up to $2,000 per item

  • Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections

  • Up to $2,000 per item, up to 20% of sum insured

  • Up to $1,000 per item, up to 20% of sum insured

  • Up to $500

  • Up to $1,000

  • Up to $3,000

  • Up to $1,000

  • Up to $10,000, up to 25% of sum insured

Other cover

  • Up to $10,000

  • Up to $1,000

  • Up to $1,000

  • Up to 10% of sum insured

  • Up to 10% of sum insured

  • Up to 14 days

Policy and service features

  • 60

  • $0

  • Combined policy, Multi-policy, online discount

  • Up to 180 days, up to $1,500 per item, up to 20% of sum insured

  • Up to 20% of sum insured

  • Up to $20,000,000

Events

  • Optional extra

  • Up to $2,000

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).

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