Apia Home & Contents Insurance

This product is available in different versions. Pick the right version for you here.

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

The details shown below are for the Home & Contents Insurance

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  • Home & Contents Extra Insurance

  • Home & Contents Insurance

Apia Home & Contents Insurance

Apia Home & Contents Insurance

Mozo Review   Apia Home & Contents Insurance Review

Last updated: 1 November 2019.

What's hot:
  • 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 for both your home and the possessions inside it. You’ll even 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. 

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.

Details

Rates and fees information correct as at 13 December 2019. 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.
Policy and service features
  • 60

  • $100

  • 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

  • n/a

  • n/a

Events
  • Up to $2,000

Buildings
  • Up to $1,000

  • Up to $300 per plant up to $3,000

Contents
  • Up to $500

  • Up to $2,500

  • 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
  • $10,000 for death

  • Up to $1,000

  • Up to $1,000

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation for Pets

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation

  • 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 10% of sum insured

  • Up to 14 days

Details

Rates and fees information correct as at 13 December 2019. 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.
Policy and service features
  • 60

  • $100

  • 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

  • n/a

  • n/a

Events
  • Optional extra

  • Up to $2,000

Buildings
  • Up to $1,000

  • Up to $200 per plant up to $2,000

Contents
  • Up to $500

  • Up to $1,500

  • 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
  • $10,000 for death

  • Up to $1,000

  • Up to $1,000

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation for Pets

  • Up to 52 weeks, up to 20% of sum insured combined with Temporary Accommodation

  • 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 10% of sum insured

  • Up to 14 days

Customer Reviews

How are Apia home insurance rated by the Mozo community?

Overall customer rating
8.6/10
Value for money
8.2/10
Policy coverage
8.3/10
Customer service
8.6/10
Claims handling
8.2/10
Trust
8.4/10

Latest reviews of Apia Home & Contents Insurance

  • Overall
    10/10
    Customer service.

    We have all our policies with APIA.

    We have all our policies with APIA.

    Value for money
    8/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Joy | New South Wales

    reviewed 8 days ago

  • Overall
    9/10
    Great customer service, friendly helpful staff.

    They have competitive prices. I haven't had any problems with them.

    They have competitive prices. I haven't had any problems with them.

    Value for money
    10/10
    Policy coverage
    10/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10

    Phyllis | Victoria

    reviewed about 1 month ago

  • Overall
    9/10
    Old school service and value for money

    Great service. Saved over $1000 by switching to Apia.

    Great service. Saved over $1000 by switching to Apia.

    Value for money
    9/10
    Policy coverage
    7/10
    Customer service
    10/10
    Claims handling
    -1/10
    Trust
    9/10

    Liz | Victoria

    reviewed about 2 months ago

  • Overall
    8/10
    I know APIA will always have my back

    It is very easy to do business and deal with APIA, although the lines can be busy sometimes. They...

    It is very easy to do business and deal with APIA, although the lines can be busy sometimes. They provide the best deals for pensioners.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    9/10
    Claims handling
    8/10
    Trust
    8/10

    Ramona | Tasmania

    reviewed 11 months ago

  • Overall
    8/10
    They meet my needs.

    They meet my needs.

    They meet my needs.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    8/10
    Claims handling
    8/10
    Trust
    7/10

    Jannine | New South Wales

    reviewed almost 2 years ago

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