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Apia's Multi-Policy Discount*.
Grab a 10% discount off your premium for having two or more eligible policies with Apia.
Get a quote or find out more about our multi-policy discount.

Home Insurance

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.

Get a quote for

Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)
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Home and Contents Insurance

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.


  • Cover for loss or damage to your home and its contents against events such as fire, theft, storm, flood#, and vandalism
  • Up to 52 weeks temporary accommodation if your home is unliveable after an insured event
  • Motor burnout cover (up to $2,000)

#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.

Optional Extras

Get additional cover for your home and contents with Apia Home & Contents Extra. You can also add optional Apia Home Assist to help support you after a household emergency.

  24/7 Apia Home Assist

  Apia Home & Contents Extra

To select our Home & Contents Extra cover you will need to answer 'Yes" to the accidental damage question when getting a quote online.

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Home Building Insurance

Insurance for your house. Covers damage or loss of your home, caused by fire, break-ins and weather events. Includes garages and sheds.

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Home Contents Insurance

Insurance for your household items. Covers damage or loss to your belongings at home, caused by fire, break-ins and weather events. Includes furniture, unfixed electrical appliances and medical aids.

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Apartment Insurance

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.

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Village Insurance

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.

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Landlord Insurance

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.

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Assisted Living Insurance

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.

A reward for Apia customers

Start saving at over 100 retailers today with Suncorp Benefits

We know everyone loves a saving! As Apia is part of the Suncorp Network, eligible customers have access to join Suncorp Benefits - to enjoy savings of up to 15% on eGift Cards for everyday items at major retailers.


Easy Claims Process

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.


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.

Claim online now

For more information on how we manage your claim, please read the PDS.


What our Home Insurance customers are saying

*A multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid general insurance policies with Apia. There must be a common mailing address and the person(s) seeking the discount must be nominated as an insured with the same name on each eligible policy. If you take out a new policy and then qualify for the MPD, you are eligible to receive the discount on that new policy immediately and on your other existing eligible policies from their next renewal date, provided you still qualify. If you become eligible around the time of policy renewal and the discount is not shown on your certificate of insurance, please contact us as the MPD may not have been applied to the renewing policies.

Discount not applied to Apia Roadside Assist, Apia Home Assist or Portable Valuables optional covers. If you are eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). Minimum premiums may apply. The discounts we offer are subject to change.

Eligible policies that qualify for the MPD are: Apia Contents, Building, Car, Motorcycle, Caravan (including trailer), Motorhome and Boat. To find out more about the multi-policy discount please phone us on 13 50 50.

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