Home Insurance
- Main events covered
-
Fire -
Theft -
Storm -
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $200 per plant up to $2,000
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $1,000
- Jewellery
-
Up to $2,000 per item, up to 20% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $500
- Tools of trade
-
Up to $3,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home & Contents Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $1,000
- Jewellery
-
Up to $2,000 per item, up to 20% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $500
- Tools of trade
-
Up to $3,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $200 per plant up to $2,000
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home Extra Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
n/a
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
No
- Contents while moving
-
No
- Antiques and valuables
-
No
- Cash
-
No
- Cd dvd and electronic files
-
No
- Computer software and hardware
-
No
- Camera and accessories
-
No
- Carpets
-
No
- Home office contents
-
No
- Identity theft
-
No
- Jewellery
-
No
- Personal medical equipment
-
No
- Replacement of documents
-
No
- Tools of trade
-
No
- Lock replacement
-
Up to $1,000
- Emergency storage
-
No
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $300 per plant up to $3,000
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Contents Extra Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $3,000 per item, up to 20% of sum insured, up to $3,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $1,000
- Jewellery
-
Up to $2,500 per item, up to 20% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $3,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Home & Contents Extra Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Yes
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $3,000 per item, up to 20% of sum insured, up to $3,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $1,000
- Jewellery
-
Up to $2,500 per item, up to 20% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $1,000
- Tools of trade
-
Up to $3,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
Up to 10% of sum insured
- Buildings and structural improvements
-
Yes
- Building materials
-
Up to $1,000
- Demolition cost
-
Up to 10% of sum insured combined with debris removal cost
- Debris removal
-
Up to 10% of sum insured combined with demolition cost
- Landscaping
-
Up to $300 per plant up to $3,000
- Gates and fences
-
Yes
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Apartment Insurance
- Main events covered
-
Fire
-
Theft
-
Storm
-
Flood
-
Monthly payments cost extra
-
no
-
Underinsurance protection
-
No
-
New for old replacement
-
Yes
Link not supplied
- Underinsurance protection
-
No
- New for old
-
Yes
- Building cover
-
n/a
- Contents cover
-
- Fire
-
Yes
- Theft or burglary
-
Yes
- Storm
-
Yes
- Flood
-
Yes
- Lightning
-
Yes
- Earthquake
-
Yes
- Storm surge
-
Yes
- Fusion
-
Up to $2,000
- Power surge
-
No
- Accidental loss and damage
-
Optional Extra
- Accidental breakage of glass
-
Yes
- Death and injury cover
-
$10,000 for death
- Monthly payments cost extra
-
no
- General contents
-
Yes
- Contents while moving
-
Yes
- Antiques and valuables
-
Up to $2,000 per item, up to 20% of sum insured, up to $3,000 for collections
- Cash
-
No
- Cd dvd and electronic files
-
Yes
- Computer software and hardware
-
Yes
- Camera and accessories
-
Yes
- Carpets
-
Yes
- Home office contents
-
Yes
- Identity theft
-
Up to $1,000
- Jewellery
-
Up to $2,000 per item, up to 20% of sum insured
- Personal medical equipment
-
Yes
- Replacement of documents
-
Up to $500
- Tools of trade
-
Up to $3,000
- Lock replacement
-
Up to $1,000
- Emergency storage
-
Up to 10% of sum insured
- Temporary accommodation
-
Up to 10% of sum insured combined with Temporary Accommodation for Pets
- Temporary accommodation for pets
-
Up to 10% of sum insured combined with Temporary Accommodation
- Temporary repairs
-
No
- Buildings and structural improvements
-
No
- Building materials
-
No
- Demolition cost
-
No
- Debris removal
-
Up to 10% of sum insured
- Landscaping
-
No
- Gates and fences
-
No
- Legal liability cover
-
Up to $20,000,000
- Days unoccupied until cover stops
-
60
- Other restrictions
-
- Other benefits
-
Multi policy discount of 10% off each new eligible policy when you hold 2 or more eligible policies with Apia.
Your selected home insurance
Apia home insurance ratings
Customer reviews
-
THEY ARE THE BEST I HAVE EVER HAD
THEY ARE THE BEST HOUSE AND CONTENCE INSURANCE I HAVE EVER HAD THEY HAVE VERY GOOD RATES THEY ARE THE BEST
-
Complaining about worsts company
We are living in qld since we have move from NSW 2005 we decided have content insurance with Apia we pay nearly 8 years at the and our aircon stop working was in content insurance coverage but this company sad we don’t pay because is unit complex but my aircon was belong to me not connected to other units so I’m very disappointed please beware of this company
-
best in the west
apia are the best fast and easey to use
-
MOST EXPENSIVE BY FAR
Most expensive company for my Contents Insurance quote. Tried Woolworths, Coles, Budget Direct, Australian Seniors and APIA. APIA were most expensive by far. Australian Seniors was the best quote.
-
Keep your customers happy
Apia are offering $40,000 to new policy purchases, it would be nice to include existing policy holders, are we not as valued as new policy holders.
-
Too Early To Judge
I have only been with them for 7months and touch wood haven't had to claim or deal with anyone on the phone, so to give an honest opinion I'd have to make a claim!
-
Extra cover = extra $$$, extra wait, extra failure
After a month and $500 out of pocket my work laptop claim is still being processed. Communication is generally 10 days apart after persistent attempts from the policy holder. Got the 'extra' home insurance policy which covers ' even if you damage the item'. Even though my claim was not for damage I caused and clearly falls within their policy guidelines they are putting no effort in to process my claim. They are negligent at best and breaching code of practice at worst. Suggest name change from APIA to cAPIAs.
-
Understanding and they use empathy
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.
-
Don't trust.
Manipulate reports so don't have to pay. Very poor and unethical.............
-
For last three years I have bed experience
Ripped off
Apia products
Home insurance quick links
* 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.
^See information about the Mozo Experts Choice Home Insurance Awards