Apia logo

Apia Home & Contents Insurance

Advertiser disclosure

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 product that suits you best

  • Home & Contents Extra Insurance

  • Home & Contents Insurance

Important information on terms, conditions and sub-limits
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: 15 April 2021

binocular icon
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 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.

key icon
Key features

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 15% 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.

snapshot
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.

question icon
Any catches

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.

Details

Rates and fees information correct as at 17 September 2021. 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

Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.

n/a

Events

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

Up to $300 per plant up to $3,000

Yes

Contents

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

Other cover

$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.

Details

Rates and fees information correct as at 17 September 2021. 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

Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.

n/a

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Up to $2,000

No

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes

Up to $1,000

Up to $200 per plant up to $2,000

Yes

Contents

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

Other cover

$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.

Customer Reviews

How are Apia home insurance rated by the Mozo community?

Overall
Value for money
Policy coverage
Customer service
Claims handling
Trust

Latest reviews of Apia Home & Contents Insurance Home Insurance

About Apia