Home & Contents Insurance FAQs

Apia Home Insurance covers your home including garages, carports, gates and fences for loss or damage caused by a range of insured events. It also covers any fixtures attached permanently to your home, like solar panels and wall, ceiling and floor coverings (excluding carpets).

Contents are the household items that you own or are responsible for and use primarily for domestic purposes. They can include things like clothing, computers, wheelchairs and mobility scooters, curtains and carpets. See your PDS for a more comprehensive list of what's included as contents.

Your sum insured is the most we will pay for damage to your home. You set a building sum insured you are comfortable with when you first insure your home and on each renewal. 

Pets are not covered under Apia Home and Contents Insurance. However, if you have contents cover as part of your Apia Home and Contents Insurance, Apia will cover veterinary expenses related to the treatment of your dog or cat if it is injured as a result of a motor vehicle impact anywhere in Australia up to $1,000 per incident.

Apia covers contents at the insured address. We can also provide cover for personal valuables away from the insured address for an extra premium—this is an Optional Cover. If you choose to add cover for personal valuables Apia will cover you for loss or damage of these items up to the insured amount anywhere in Australia and New Zealand.

Apia Home Assist is an emergency assistance service that provides you with selected trade services in the event of a home emergency. This is an optional cover. If you choose to pay the extra premium to add Apia Home Assist, Apia will provide you with assistance when a sudden and unforeseen incident requires the urgent attention of a Plumber, Electrician, Locksmith or Carpenter, for up to two (2) hours.

Some geographical limitations apply to availability of cover.

In the event of a Home Emergency, Apia Home Assist will be able to dispatch the following Tradespersons - Plumber, Electrician, Locksmith or Carpenter.

No, as part of the agreement only a qualified Apia Home Assist Tradesperson can be used. Apia Home Assist will provide a qualified Tradesperson to attend to a call-out.

You are entitled to receive three (3) Emergency call-outs for a Tradesperson to the insured address during the period of insurance. Additionally, if it is determined that two (2) Tradespersons are required to attend to your single Home Emergency then two (2) Emergency call-outs will be deducted from your entitlement.

No, an Apia Home Assist call-out is not identified as a claim under your policy and therefore there is no excess payable for Apia Home Assist.

Apia Home Assist can be contacted, 24 hours a day, 7 days a week. Our support team will be able to assess the emergency. Assistance will be provided as quickly as possible but, during certain hours there may be limited availability. The response time will depend on a variety of factors including severity, location of your insured address and the demand for Apia Home Assist at that time.

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account.

Apia Home and Contents Insurance covers loss or damage caused by flood1. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Home and Contents Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*.

Apia Apartment Style Residence Insurance covers loss or damage caused by flood¹. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Assisted Living Residence Insurance covers loss or damage caused by flood¹. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Assisted Living Residence Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*.

Apia Landlord Insurance covers loss or damage caused by flood¹. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Landlord Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*.

Apia Village Style Residence Insurance covers loss or damage caused by flood¹. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Village Style Residence Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*.