Many of these questions can be answered here. If you have a specfic question regarding your own policy contact us online or alternatively call us on 13 50 50, we are available 24 hours a day 7 days a week.
Apia Home Building Insurance covers your home buildings including garages, carports, gates and fences for loss or damage due to a range of insured events. It also covers any fixtures attached permanently to your home like solar panels and wall, ceiling and floor coverings.
Apia Contents Insurance covers only your household items and personal belongings at the insured address, such as home computers, unfixed electrical appliances, furniture and clothing.
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 maximum amount you can claim on any one incident less any deductions. You need to ensure that the sums insured are accurate when you first insure your home and contents and each time you renew your policy.
To work out your home sum insured, we recommend seeking advice from an architect, builder, valuer or other qualified professional for accurate measuring. The are also free online cost calculators you can use to estimate your sum insured.
Contents items are not covered when lost away from home. However, you can add personal valuables cover to your policy as an Optional Cover for an extra premium. This will cover you for loss of these items up to the insured amount if they are lost within Australia and New Zealand.
Apia will cover your contents when in transit (i.e. if you are moving home and they are damaged by fire, flood or a collision involving the vehicle that is carrying them. We will also cover contents in commercial storage.