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APIA is Australia's leading over 50s insurance specialist. For over 30 years, APIA has been providing a wide range of insurance products and services to Aussie seniors.
APIA is part of the Suncorp network, who specialize in offering great value, rewards and customer experience. In fact, it won the 2023 Mozo Experts Choice Awards in the Exceptional Value Home & Contents Insurance for its Insurance policy. APIA home insurance is available Australia-wide. See the range of home and contents options available below.
Last updated 22 January 2025
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Important disclosures
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This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
We also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Products are initially shown with ‘Promoted’ products at the top that we have chosen to advertise more prominently. The table beneath lists products that meet the information in the filter, sorted according to estimated repayments for loans, and interest rates for deposits. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Apia home insurance
Home Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $1,000
Emergency storage
No
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Up to $200 per plant up to $2,000
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
Up to $1,000
Jewellery
Up to $2,000 per item, up to 20% of sum insured
Personal medical equipment
Yes
Replacement of documents
Up to $500
Tools of trade
Up to $3,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
No
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 10% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home & Contents Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
Up to $1,000
Jewellery
Up to $2,000 per item, up to 20% of sum insured
Personal medical equipment
Yes
Replacement of documents
Up to $500
Tools of trade
Up to $3,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Up to $200 per plant up to $2,000
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home Extra Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
n/a
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
No
Contents while moving
No
Antiques and valuables
No
Cash
No
Cd dvd and electronic files
No
Computer software and hardware
No
Camera and accessories
No
Carpets
No
Home office contents
No
Identity theft
No
Jewellery
No
Personal medical equipment
No
Replacement of documents
No
Tools of trade
No
Lock replacement
Up to $1,000
Emergency storage
No
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Up to $300 per plant up to $3,000
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Contents Extra Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $3,000 per item, up to 20% of sum insured, up to $3,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
Up to $1,000
Jewellery
Up to $2,500 per item, up to 20% of sum insured
Personal medical equipment
Yes
Replacement of documents
Up to $1,000
Tools of trade
Up to $3,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
No
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 10% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home & Contents Extra Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Yes
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $3,000 per item, up to 20% of sum insured, up to $3,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
Up to $1,000
Jewellery
Up to $2,500 per item, up to 20% of sum insured
Personal medical equipment
Yes
Replacement of documents
Up to $1,000
Tools of trade
Up to $3,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
Up to 10% of sum insured
Buildings and structural improvements
Yes
Building materials
Up to $1,000
Demolition cost
Up to 10% of sum insured combined with debris removal cost
Debris removal
Up to 10% of sum insured combined with demolition cost
Landscaping
Up to $300 per plant up to $3,000
Gates and fences
Yes
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Apartment Insurance
Main events covered
Fire
Theft
Storm
Flood
Monthly payments cost extra
no
Underinsurance protection
No
New for old replacement
Yes
No Partner link
Details Close
Underinsurance protection
No
New for old
Yes
Building cover
n/a
Contents cover
Fire
Yes
Theft or burglary
Yes
Storm
Yes
Flood
Yes
Lightning
Yes
Earthquake
Yes
Storm surge
Yes
Fusion
Up to $2,000
Power surge
No
Accidental loss and damage
Optional Extra
Accidental breakage of glass
Yes
Death and injury cover
$10,000 for death
Monthly payments cost extra
no
General contents
Yes
Contents while moving
Yes
Antiques and valuables
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
Cash
No
Cd dvd and electronic files
Yes
Computer software and hardware
Yes
Camera and accessories
Yes
Carpets
Yes
Home office contents
Yes
Identity theft
Up to $1,000
Jewellery
Up to $2,000 per item, up to 20% of sum insured
Personal medical equipment
Yes
Replacement of documents
Up to $500
Tools of trade
Up to $3,000
Lock replacement
Up to $1,000
Emergency storage
Up to 10% of sum insured
Temporary accommodation
Up to 10% of sum insured combined with Temporary Accommodation for Pets
Temporary accommodation for pets
Up to 10% of sum insured combined with Temporary Accommodation
Temporary repairs
No
Buildings and structural improvements
No
Building materials
No
Demolition cost
No
Debris removal
Up to 10% of sum insured
Landscaping
No
Gates and fences
No
Legal liability cover
Up to $20,000,000
Days unoccupied until cover stops
60
Other restrictions
-
Other benefits
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
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Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.
Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. More about the Mozo customer ratings.
J
Jann
Victoria -
Product name: Home & Contents Insurance
5.0
THEY ARE THE BEST I HAVE EVER HAD
THEY ARE THE BEST HOUSE AND CONTENCE INSURANCE I HAVE EVER HAD THEY HAVE VERY GOOD RATES THEY ARE THE BEST
Price
5.0
Features
5.0
Service
5.0
Convenience
5.0
Trust
5.0
S
Steve
Queensland -
Product name: Contents Insurance
0.5
Complaining about worsts company
We are living in qld since we have move from NSW 2005 we decided have content insurance with Apia we pay nearly 8 years at the and our aircon stop working was in content insurance coverage but this company sad we don’t pay because is unit complex but my aircon was belong to me not connected to other units so I’m very disappointed please beware of this company
Price
0.5
Features
0.5
Service
0.5
Convenience
0.5
Trust
0.5
A
Ann
Western Australia -
Product name: Home Insurance
5.0
best in the west
apia are the best fast and easey to use
Price
5.0
Features
5.0
Service
5.0
Convenience
5.0
Trust
5.0
G
Garry
New South Wales -
0.5
MOST EXPENSIVE BY FAR
Most expensive company for my Contents Insurance quote. Tried Woolworths, Coles, Budget Direct, Australian Seniors and APIA. APIA were most expensive by far. Australian Seniors was the best quote.
Price
0.5
Features
3.0
D
David
Victoria -
3.5
Keep your customers happy
Apia are offering $40,000 to new policy purchases, it would be nice to include existing policy holders, are we not as valued as new policy holders.
Price
3.5
Features
3.5
Service
3.5
Convenience
3.5
Trust
3.5
D
Daniel
New South Wales -
Product name: Contents Insurance
3.0
Too Early To Judge
I have only been with them for 7months and touch wood haven't had to claim or deal with anyone on the phone, so to give an honest opinion I'd have to make a claim!
Price
3.0
Features
3.5
U
Unhappy
Victoria -
0.5
Extra cover = extra $$$, extra wait, extra failure
After a month and $500 out of pocket my work laptop claim is still being processed. Communication is generally 10 days apart after persistent attempts from the policy holder. Got the 'extra' home insurance policy which covers ' even if you damage the item'. Even though my claim was not for damage I caused and clearly falls within their policy guidelines they are putting no effort in to process my claim. They are negligent at best and breaching code of practice at worst. Suggest name change from APIA to cAPIAs.
Price
0.5
Features
0.5
Service
0.5
Convenience
0.5
Trust
0.5
M
Merjeme
Victoria -
Product name: Home & Contents Insurance
5.0
Understanding and they use empathy
I have been paying home/content insurance with APIA for quite a long time. I have never needed to use them until October 2022. My house was flooded and l truly cannot find a fault on how they have helped me. From Emergency accommodation to long term accommodation payments.
Price
5.0
Features
5.0
Service
5.0
Convenience
5.0
Trust
5.0
C
Cameron
Victoria -
Product name: Home & Contents Insurance
1.0
Don't trust.
Manipulate reports so don't have to pay. Very poor and unethical.............
*
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Important information on terms, conditions and sub-limits
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.