At Apia, we know that everyone's living situation is different
That's why we have a range of Home Insurance options to cover what’s important to you and your lifestyle.
Save 10%
First Year Online Discount*
TYPES OF HOME INSURANCE
Home owner occupiers Landlords Renters Apartments Multi-storey buildings Retirement or lifestyle villages Communal village Nursing home Assisted living accommodation
Plus optional covers
Plus optional covers
Plus optional covers
Plus optional covers
... and many more
Save 10% first year online discount*
With Apia Home and Contents Insurance, your home and the precious things inside it are covered for a wide range of events, such as fire, theft, storm, flood#, and vandalism.
Apia Home & Contents Insurance
#Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm) other exclusions apply.
Limits, exclusions and conditions apply, please refer to the PDS for full details including temporary accommodation during delays.
Apia Home & Contents Extra
To select Home & Contents Extra cover, add accidental damage cover when getting a quote online.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
Optional covers
Cover options |
Home Building |
Home Contents (Renters) |
Home and Contents |
|
Loss or damage to the building, garage and other outbuildings caused by events like lightning, fire, theft, storm and flood# |
|
|
|
|
Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
|
|
|
|
Motor burnout cover, up to $2,000 |
|
|
|
|
Legal liability for death or bodily injury to other people, or damage to their property |
up to $20 million |
up to $20 million |
up to $20 million |
Optional covers |
|
|
|
|
Apia Home Assist |
|
|
|
|
Excess-free Glass cover |
|
|
|
|
Personal valuables cover (Specified and Unspecified) |
|
|
|
|
Accidental loss or damage to your building, like accidentally knocking a shelf and damaging the wall |
With Apia Building Extra |
|
With Apia Home and Contents Extra |
|
Accidental loss or damage to your contents, like accidentally breaking a TV screen |
|
With Apia Contents Extra |
With Apia Home and Contents Extra |
|
Higher limits on some additional covers |
With Apia Building Extra |
With Apia Building Extra |
With Apia Home and Contents Extra |
#No cover for bushfires, storms, storm surges, floods or tsunamis in the first 72 hours of cover. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm).Limits, exclusions and conditions apply, please refer to the PDS for full details.
Cover options |
Landlord |
Apartment (Contents only cover) |
Village |
Assisted Living (Contents only cover) |
|
Loss or damage to the building, garage and sheds caused by events like lightning, fire, theft, storm and flood# |
|
|
|
|
|
Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
|
|
|
|
|
Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
|
|
|
|
|
Accidental loss or damage |
|
|
|
^ |
|
New for old repair or replacement of contents |
|
|
|
|
|
Motor burnout cover, up to $2,000 |
|
|
|
|
|
Legal liability for death or bodily injury to other people, or damage to their property |
up to $20 million |
up to $20 million |
up to $20 million |
up to $10 million |
|
Higher limits on some additional covers |
|
|
|
|
|
Visitor’s contents in your apartment |
|
|
|
|
|
Loss of rent for up to 52 weeks if your property is unliveable following an insured event |
|
|
|
|
|
Theft or burglary and Malicious acts and vandalism by tenants or their guests, up to $25,000 |
|
|
|
|
|
Accidental breakage of fitted glass in furniture and unfixed hung mirrors |
|
|
|
Covered under Accidental loss or damage |
|
Cover for fixtures and fittings you own and that are not covered by Body Corporate |
(when contents are insured in a unit) |
|
|
|
Optional covers |
|
|
|
|
|
Excess-free Glass cover |
|
|
|
|
|
Personal valuables (Specified) |
|
|
|
|
|
Personal valuables (Unspecified) |
|
|
|
|
#No cover for bushfires, storms, storm surges, floods or tsunamis in the first 72 hours of cover. Very limited exceptions apply. Actions or movements of the sea and storm surge are not covered (unless the storm surge damage occurs at the same time as damage caused by storm).
^The most we pay is $1000 per item, set or collection unless it is a specified personal valuable.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
Insurance for your house. Covers damage or loss of your home, caused by insured events such as fire, break-ins and weather events. Includes garages and sheds.
Insurance for your household items. Covers damage or loss to your belongings at home, caused by insured events such as fire, break-ins and weather events. Includes furniture, unfixed electrical appliances and medical aids.
Apia Apartment Insurance is for people who live in a multi-storey apartment building. You'll receive contents cover, as well as cover for some things (like fixtures and fittings) that Body Corporate may not insure.
If you live in a retirement or lifestyle village, this policy is specially designed to protect your home and contents against insured events such as fire, theft, storm, flood, vandalism and more.
Protect your property investment, with Apia’s Landlord Insurance policy. Your rented property will be covered for events such as fire, storms, flood, earthquake, as well as malicious damage by tenants.
Protect your precious belongings if you live in a nursing home or other assisted living accommodation, with Assisted Living Insurance. Your contents will be covered for accidental loss or damage.
SUBMITTING YOUR CLAIM
Lodge a claim 24/7
Lodge your claim and receive a claim number instantly. We'll call you back within 2 business days to progress your claim.
Assessment
We will arrange for the damage to your home or contents to be assessed.
Track your claim
Track the progress of your claim online at any time.
Finalise your claim
We'll follow up with you to organise repairs or arrange settlement, provided your claim is covered, and ensure you're happy with the outcome.
For more information on how we manage your claim, please read the PDS.
*Discounts are not applicable to Apia Home Assist and Excess-free Glass optional covers, if selected. If you receive more than one discount, we apply each in a predetermined order to the already discounted premium
Apia acknowledges the Traditional Custodians of the lands on where we work, live, and conduct business across Australia. We pay our respects to Elders past and present. Read more about our commitment to reconciliation.
Cookie and Data Policy
We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how Apia collects and uses data related to your online activity, and how you can choose to remain anonymous.
AAI Limited
Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Motorcycle, Caravan, Motorhome, Boat, Compulsory Third Party Personal Injury (CTP) Insurance and Motor Accident Injuries Insurance (MAI Insurance). Registered Office: Level 23, 80 Ann Street, Brisbane QLD 4000.
Any advice provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs, consider whether it is appropriate for you before acting on it. Read the Product Disclosure Statement (and any related documents) before making a decision about general insurance. The Target Market Determination is also available
Health Insurance
Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.
This content is current for Home and Contents, Home and Contents Extra, Village Style Residence, Apartment Style Residence, Assisted Living Residence, Landlord, Car Advantage, Motorcycle, Caravan, Motorhome and Boat Insurance policies commenced or renewed on or after 23 March 2021.
Funeral Insurance
Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL is not part of the Suncorp Group. TAL Life uses the Apia brand under licence from the Suncorp Group. The different entities of TAL and the Suncorp Group of companies are not responsible for, or liable in respect of, products and services provided by the other.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Product you must read the relevant Product Disclosure Statement. The Target Market Determination (TMD) for the product is also available.
TAL Life is proud to have adopted the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities.
How can we help?
Chat to us online now
With the data you shared with us during your quote, we provide personalised online messaging such as the digital media advert that led you here. To opt out of these experiences, click here
