One of the most attractive aspects of Apia’s Home & Contents Extra Insurance is the wide range of events you’re covered for. For example, if your home or its contents are damaged due to natural events such as a fire, storm, flood, earthquake or lightning strike, Apia have you covered. More than that though, this policy will cover you in the event of a tree falling on your home or if a leaky pipe causes some serious damage. In saying that, keep in mind that there are exclusions surrounding a storm and power surges - so make sure to read the PDS before taking out the policy.
With Home & Contents Extra Insurance not only is your physical building covered but so are any gates or fences that are on your property. If you’ve recently splashed some cash to make your yard look a little nicer, Apia will cover you for up to $3,000 worth of landscaping costs or if you had any building materials lying around then they’re insured up to the value of $1,000.
In terms of contents insured, Apia cover things like tools of the trade, credit cards and home office inventory as standard with this policy and it will also cover any of your guests contents should you have family or friends over for less than 30 days. You can sleep easy knowing that if one of the aforementioned events renders your home uninhabitable, Apia will cover the costs of temporary accommodation for both you and your pets for up to 12 months. The main thing to be aware of is that if you own an expensive camera that you couldn’t live without, you’ll have to choose for it to be covered as an optional extra.
By combining both your home and contents insurance, Apia will reward you with a neat combined policy discount, on top of the 15% online discount for getting a quote online. If you have other insurance policies with Apia for your car or travel needs then you could be up for a further multi-policy discount which makes insuring your home and belongings with Apia pretty affordable.