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Apia Contents Insurance

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The details shown below are for the Contents Extra Insurance
The details shown below are for the Contents Insurance

Choose the version of this product that suits you best

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

Mozo editorial review Apia Contents Insurance - last updated: 2 August 2022

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What's hot
  • 10% 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. However, you can also opt for Apia's standard contents cover if the higher coverage limits and features don't suit you and your belongings.

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Key features

With both the standard coverage level and Apia Contents Extra Insurance, your belongings are protected in the event of a number of wide-ranging incidents. 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. And keep in mind, there are different exclusions between the standard Contents Insurance and Contents Extra Insurance.

The Contents Extra Insurance is Apia's highest level of cover, so they will stump up some serious cash to replace your possessions as new-for-old, including if the items are damaged in an accident you cause, not just via natural events or theft. 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 (for comparison, it's $2,000 with the standard contents cover). Or if any personal medical equipment is damaged, it will be replaced too, as will computer and home office inventory to set limits for this policy.

Apia will reward tech savvy customers who get a quote online with a 10% discount. Plus, 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.

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Who is it good for

Apia supports those with a little extra life experience, offering cheaper premiums to customers 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.

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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.

Details

Cover information and limits in the table below correct as at 21 February 2024. 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.
Contents

No

Up to $2,500

Yes

Yes

Yes

Yes

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

No

Up to $1,000

Up to $1,000

Yes

Up to $3,000

Up to $1,000

Yes

Other cover

$10,000 for death

Up to $1,000

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

Up to 10% of sum insured

No

No

Up to 14 days

Yes

Policy and service features

60

No

Yes

$100

true

yes

Combined policy, Multi-policy, online discount

Yes

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

Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.

none

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

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

Cover information and limits in the table below correct as at 21 February 2024. 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.
Contents

No

Up to $1,500

Yes

Yes

Yes

Yes

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

No

Up to $500

Up to $1,000

Yes

Up to $3,000

Up to $1,000

Yes

Other cover

$10,000 for death

Up to $1,000

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

Up to 10% of sum insured

No

No

Up to 14 days

Yes

Policy and service features

60

No

Yes

$100

true

yes

Combined policy, Multi-policy, online discount

Yes

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

Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.

none

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

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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