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Apia Home & Contents Insurance

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

The details shown below are for the Home & Contents Insurance

Choose the version of this loan that suits you best

  • Home & Contents Extra Insurance

  • Home & Contents Insurance

Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover

Mozo editorial review Apia Home & Contents Insurance

Last updated: 21 May 2020.

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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 a policy - top quality cover protecting your home and possessions at an affordable price. You’ll get a 15% discount if you apply online, and if you also take out health or car insurance with Apia you’ll be eligible for a combined policy discount. 

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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. 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 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.

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Who is it 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.

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Any catches

Apia’s Home & Contents Extra Insurance doesn’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.

Details

Rates and fees information correct as at 22 September 2020. 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

  • 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

  • n/a

  • n/a

Events
  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,000

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

  • Up to $300 per plant up to $3,000

  • Yes

Contents
  • Up to $500

  • 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

  • Up to $2,000 per item, up to 20% of sum insured

  • Up to $1,000

  • Up to $1,000

  • Yes

  • 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

  • Yes

*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).

Details

Rates and fees information correct as at 22 September 2020. 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

  • 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

  • n/a

  • n/a

Events
  • Optional Extra

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Yes

  • Up to $2,000

  • No

  • Yes

  • Yes

  • No

  • Yes

  • Yes

  • Yes

  • Yes

Buildings
  • Yes

  • Up to $1,000

  • Up to $200 per plant up to $2,000

  • Yes

Contents
  • Up to $500

  • 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

  • Up to $1,000 per item, up to 20% of sum insured

  • Up to $500

  • Up to $1,000

  • Yes

  • 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

  • Yes

*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).

Customer Reviews

How are Apia home insurance rated by the Mozo community?

Overall
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 8/10
    Home and content insurance

    I've changed a few insurance companies over the years to get a better deal. This company I've been with for a while but i do shop around to see if there's a cheaper policy i can get.

    Read full review

    I've changed a few insurance companies over the years to get a better deal. This company I've been with for a while but i do shop around to see if there's a cheaper policy i can get.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    9/10
    Claims handling
    -1/10
    Trust
    7/10
    Less
    Kath, Victoria reviewed about 1 month ago
  • Overall 6/10
    Average insurer.

    I've had nothing but trouble with their site and their understanding of the issue. Despite several attempts to have them understand and fix, I haven't been able to get it resolved. Their pricing and cover is only average as well. Exit this customer.

    Read full review

    I've had nothing but trouble with their site and their understanding of the issue. Despite several attempts to have them understand and fix, I haven't been able to get it resolved. Their pricing and cover is only average as well. Exit this customer.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    3/10
    Claims handling
    -1/10
    Trust
    5/10
    Less
    Steve, Queensland reviewed about 1 month ago
  • Overall 9/10
    Aussie and competitive rates with friendliness!

    Those whom answer their phones are always very helpful and friendly. With English seemingly their native language. Nothing seems too much and they have a lot of patience. I have made one claim and even with the extra workload from the bushfires; it was paid out in about 3 weeks at most! Extremely happy with them. Nothing like I expected from insurance companies thankfully.

    Read full review

    Those whom answer their phones are always very helpful and friendly. With English seemingly their native language. Nothing seems too much and they have a lot of patience. I have made one claim and even with the extra workload from the bushfires; it was paid out in about 3 weeks at most! Extremely happy with them. Nothing like I expected from insurance companies thankfully.

    Value for money
    8/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    9/10
    Trust
    8/10
    Less
    Kareena, South Australia reviewed 3 months ago
  • Overall 9/10
    Safety in insurance.

    Staff are always helpful and do not mind exploring the best options. Their clam service seemed effortless, and they ensured we were feeling secure before terminating the call. No complaints and no faults. Tiered loyalty bonuses would give them a 10.

    Read full review

    Staff are always helpful and do not mind exploring the best options. Their clam service seemed effortless, and they ensured we were feeling secure before terminating the call. No complaints and no faults. Tiered loyalty bonuses would give them a 10.

    Value for money
    8/10
    Policy coverage
    8/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Bernadette, Queensland reviewed 4 months ago
  • Overall 10/10
    Customer service.

    We have all our policies with APIA.

    Read full review

    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
    Less
    Joy, New South Wales reviewed 10 months ago
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