Apia - Home & Contents Insurance

Apia Home & Contents Insurance Review

Rates and fees information correct as at 12 December 2018.

Review published: 20 September 2017

What's hot:

  • 2018 Mozo Experts Choice Winner

  • 15% online discount

  • Combined policy discount

  • Contents in commercial storage covered

What's not:

  • No underinsurance protection

Mozo snapshot:

Apia’s Home & Contents Extra Insurance has everything you’d want in an home insurance policy - top quality cover for an affordable price. Apia's Home & Contents Extra Insurance also won a Mozo Experts Choice Award for Exceptional Value in 2018. You’ll get a 15% discount if you apply online, and if you also take out health or car insurance with Apia you’ll also be eligible for a combined policy discount as well. 

Key features:

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.

Who it's good for:

Apia specialises in products for the over 50s, so if this is you, then it’s worth getting a quote for your home and contents insurance with Apia. Apia insurance is available Australia-wide so no matter where you live you’ll be able to be covered.

Any catches?

Apia’s Home & Contents Extra Insurance doesn’t come with any underinsurance protection so once you’ve got your policy it is important to regularly update Apia when you purchase any new items for your home or when you renovate any of your home’s fixtures and fittings so that you’ll have the right level of cover if something were to go wrong and you needed to make a claim.

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 Home & Contents Insurance

Apia

Apia Home & Contents Extra Insurance home insurance review

Overall rating   8 / 10

They meet my needs.

They meet my needs.

Full review

They meet my needs.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Claims handling   8 / 10

    Trust   7 / 10

Less

Jannine, New South Wales, reviewed 11 months ago

Apia

Apia Home & Contents Extra Insurance home insurance review

Overall rating   8 / 10

Helpful and trustworthy customer service.

Over the phone customer service was lovely and they helped out a lot with updating information and so on.

Full review

Over the phone customer service was lovely and they helped out a lot with updating information and so on.

    Value for money   8 / 10

    Policy coverage   8 / 10

    Customer service   8 / 10

    Trust   8 / 10

Less

Adaleigh, New South Wales, reviewed 11 months ago

Apia

Apia Home & Contents Extra Insurance home insurance review

Overall rating   8 / 10

Staff are always friendly and helpful

I haven't had to make any claims but the staff have always been very helpful when needed

Full review

I haven't had to make any claims but the staff have always been very helpful when needed

    Value for money   7 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Trust   8 / 10

Less

Jenny, Tasmania, reviewed 11 months ago

Apia

Apia Home & Contents Extra Insurance home insurance review

Overall rating   7 / 10

Have tsunami cover.

They have honoured the couple of claims we have had. Fast and efficient.

Full review

They have honoured the couple of claims we have had. Fast and efficient.

    Value for money   7 / 10

    Policy coverage   7 / 10

    Customer service   7 / 10

    Claims handling   7 / 10

    Trust   7 / 10

Less

Lynn, Queensland, reviewed 11 months ago

Apia

Apia Home & Contents Extra Insurance home insurance review

Overall rating   10 / 10

One word; awesome

Better rates & easier people to do business with

Full review

Better rates & easier people to do business with

    Value for money   10 / 10

    Policy coverage   10 / 10

    Customer service   10 / 10

    Trust   10 / 10

Less

Peter, New South Wales, reviewed 11 months ago

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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

Buildings

  • Up to $1,000

  • Up to $3,000

  • Up to sum insured

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 52 weeks, up to 20% of sum insured

  • Up to 12 months

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • 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

Buildings

  • Up to $1,000

  • Up to $2,000

  • Up to sum insured

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 52 weeks, up to 20% of sum insured

  • Up to 12 months

  • Up to 10% of sum insured

  • Up to 10% of sum insured combined with demolition cost

  • Up to 10% of sum insured combined with debris removal cost

  • Up to 14 days

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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