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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 any of the following including  a lake, a river or a creek*.

Apia Building Insurance and Contents Insurance does not cover loss or damage caused by actions or movements of the sea or storm surge, loss or damage to retaining walls, sea walls, garden borders and free standing outdoor walls*.


*For full details of the covers, limitations, exclusions and conditions and what constitutes a 'flood' please read the Apia Home and Contents Insurance Product Disclosure Statement.

Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 is an authorised representative of AAI Limited ABN 48 005 297 807, the product issuer. Please read the Apia Home and Contents Insurance Product Disclosure Statement before making any decision regarding this product. Call us on 13 50 50 for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

1There is no cover for flood in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.