Whether you need help logging into your online account or support and information about APIA products, you’ll find many of your questions answered here. If you can’t find the answer you need here, please contact us.
Apia Home Building Insurance covers your home buildings for loss or damage caused by a range of insured events. However, Apia Contents Insurance covers only your household items and personal belongings at the insured address.
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, like your computer, aren’t automatically covered by our Home and Contents Insurance, but 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.