Apia Home & Contents Insurance

Apia is an insurance provider for over 50s. Apia provides home and contents, car, health, travel and funeral insurance.

Compare Apia home and contents insurance

The table below displays a snapshot of Apia’s home and contents insurance policies on Canstar’s database. The results are sorted by Star Rating, and based on a policyholder over 50 years of age in Victoria for building and contents worth less than $550,000. If you are considering an Apia home and contents insurance policy, check upfront with Apia and read the Product Disclosure Statement (PDS) to confirm the details of the policy and whether it meets your needs before committing to it.

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What do Apia home and contents insurance policies cover?

Apia home and contents insurance offers two levels of cover: Apia Home & Contents and Apia Home & Contents Extra.

At the time of writing, you can save 15% when you purchase a new home and contents policy online.

Apia Home & Contents

Apia says its Home & Contents insurance includes the following features:

  • Cover for loss or damage to the home or its contents in the case of events such as fire, theft, storm, flood, accidental breakage of glass and vandalism
  • New-for-old contents replacement (regardless of item’s age)
  • Up to 52 weeks’ temporary accommodation if the home becomes unlivable after an insured event
  • Removal of debris
  • Motor burnout cover (up to $2,000)
  • Loss of refrigerated food and medicines (up to $500)
  • Replacement of locks if house keys are stolen (up to $1,000)
  • Visitors’ contents cover (up to $2,000)

Apia Home & Contents Extra

Apia’s Home & Contents Extra insurance includes all the coverage of Apia Home & Contents plus additional benefits such as:

  • Cover for accidental loss or damage to the home and contents
  • Ability to claim more on contents with fixed or flexible limits (for example, $3,000 for paintings and other works of art)
  • Higher limits

For a complete list of inclusions and exclusions, make sure to read the PDS.

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Apia Home and Contents Insurance FAQs

As a renter, you generally don’t need home insurance because your landlord should have insurance for the building you live in, and if you live in a unit, apartment or townhouse, the body corporate is legally required to have building insurance for the building. But you should consider getting contents insurance to protect your own possessions.

Apia insurance offers a specific Assisted Living Residence Insurance policy. Apia says that for policyholders living in a nursing home or other assisted living accommodation, this policy protects contents for accidental loss or damage.

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For landlords, you can consider home or landlord insurance. Landlord insurance is designed to cover you for many of the same things as a home insurance policy, but with several additions to cover you against risks related to having tenants occupying your property.

Apia’s landlord insurance policies offer cover for a range of insured events (think fire, theft, storms and flood damage). The policies also feature loss of rent following an insured event and loss of rent following tenant default as additional covers.

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If you have a recent and accurate estimate of the value of your home and contents, then you could consider insuring up to that particular sum.

If you don’t have an accurate idea of the above value, then you could consider insuring for a complete replacement.

You can make a claim online on the Apia website. Apia advises you will need:

  • Your policy number
  • Details about what happened
  • Any photos or documents related to the claim
  • Details of any other people involved

Apia is part of the Suncorp Group with over 700,000 customers throughout the country.

Apias says its story began over 30 years ago, with the goal of providing choice, affordability and benefits to Aussies over 50.

Today, there are more than 450 staff working for Apia across various branches.

Compare home and contents insurance policies with Canstar

The table below displays a snapshot of home and contents insurance policies on Canstar’s database, with links direct to the providers’ websites. The results are sorted by Star Rating (highest to lowest), followed by provider name (A-Z), and are based on a policyholder over 50 years of age in Victoria for building and contents worth less than $550,000. If you are considering a home and contents insurance policy, check upfront with the provider and read the Product Disclosure Statement (PDS) to confirm the details of the policy and whether it meets your needs before committing to it.

Written by: Tamika Seeto | Last updated: March 19, 2019