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.