Choose the version of this product that suits you best
Name | |
---|---|
|
Home & Contents Extra Insurance |
|
Home & Contents Insurance |
Apia’s Home & Contents Extra Insurance is a 2023 Mozo Experts Choice multi-award winner for Exceptional Value Home & Contents and Exceptional Value Landlord Insurance. This policy brings to the table top quality cover, protecting your home and possessions at an affordable price. You’ll get a 10% discount on your first yearly premium if you apply online, can access a multi-policy discount, and can score a reduced rate if you work fewer than 37 hours a week.
One of the most attractive aspects of Apia’s Home & Contents Extra Insurance alongside its standard coverage level is the wide range of events you’re covered for. 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. This policy will cover you in the event of a tree falling on your home or if a leaky pipe causes some serious damage.
However, there are exclusions surrounding a storm and power surges - so make sure to read the PDS before taking out the policy. And remember, there's different base levels of cover for Apia’s Home & Contents Extra Insurance and their standard Home & Contents Insurance.
Gates and fences on your property will be covered with the Home & Contents Extra Insurance option. And if you’ve recently splashed some cash to make your yard look a little nicer, Apia will cover your fancy backyard digs for up to $3,000, and will also cover building materials so long as they're securely stored on the property.
In terms of contents insured, Apia cover things like work-related equipment, credit cards and home office inventory as standard with this policy. You can rest easy knowing that if one of the aforementioned events renders your home uninhabitable and you have either level of cover, Apia will cover the costs of temporary accommodation for both you and your pets for up to 12 months (or 10% of the sum insured).
By combining both your home and contents insurance, Apia will reward you with a neat combined policy discount, plus the 10% 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 multi-policy discount which makes insuring your home and belongings with Apia pretty affordable.
Apia's Work Less Pay Less discount is also great for anyone with reduced hours. If you work less than 37 hours a week, Apia will reward you with yet another discount, since you'll be at home more often and can quickly address any problems which might arise at your property.
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.
Apia’s policies don’t come with any underinsurance protection. Once you’ve got your policy sorted, it's important to regularly update it when you purchase any new items for your home or when you renovate any fixtures and fittings. That way you’ll have the right level of cover if you need to make a claim.
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. |
|
n/a |
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Up to $2,000 |
|
No |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
Yes |
|
Up to $1,000 |
|
Up to $300 per plant up to $3,000 |
|
Yes |
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 |
$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 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 |
|
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.
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. |
|
n/a |
Optional Extra |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Up to $2,000 |
|
No |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
|
Yes |
Yes |
|
Up to $1,000 |
|
Up to $200 per plant up to $2,000 |
|
Yes |
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 |
$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 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 |
|
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.
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.
Read full reviewI 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.
Manipulate reports so don't have to pay. Very poor and unethical.............
Read full reviewManipulate reports so don't have to pay. Very poor and unethical.............
Ripped off
Read full reviewRipped off
APIA for older people! Not when danger strikes! An SUV ploughed into our home before Easter, destroying ¼ of it. After 4 months of excruciating anxiety, no rebuilding has commenced. Cost-cutting APIA is unsympathetic to our needs and under the Suncorp umbrella, it gives crossover services to several diverse agencies.
Read full reviewAPIA for older people! Not when danger strikes! An SUV ploughed into our home before Easter, destroying ¼ of it. After 4 months of excruciating anxiety, no rebuilding has commenced. Cost-cutting APIA is unsympathetic to our needs and under the Suncorp umbrella, it gives crossover services to several diverse agencies.
They are always helpful and try their best to give you the best deal possible customer service is very helpful
Read full reviewThey are always helpful and try their best to give you the best deal possible customer service is very helpful