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.

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Home and Contents Insurance

10% off when you quote & buy online*

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.

Apia Home & Contents Insurance

  • Cover loss or damage to your home and its contents against events such as fire, theft, storm, flood#, and vandalism
  • Up to 10% of home sum insured to go to the cost of temporary accommodation if your home cannot be lived in after an insured event
  • Motor burnout cover (up to $2,000 per incident)

#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.

Limits, exclusions and conditions apply, please refer to the PDS for full details.

Apia Home & Contents Extra

  • All the protection of Apia Home & Contents
  • Claim more on contents that have fixed and flexible limits (such as $3,000 for paintings and art per item)
  • Higher limits on a great range of cover and features (such as Financial Transaction Card cover, up to $2,500 in any one period of insurance)

To select Home & Contents Extra cover, answer 'Yes' to the accidental damage question when getting a quote online.

Limits, exclusions and conditions apply, please refer to the PDS for full details.

Optional covers

  • Apia Home Assist
  • Excess Free Glass Cover 
  • Personal Valuables Cover
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Home Building Insurance

Insurance for your house. Covers damage or loss of your home, caused by insured events such as 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 insured events such as 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.


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

*If you receive more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.

Online discount is only available for new, eligible policies purchased online and will be applied upon purchase and subtracted from the premium. Online discount is not available with any other offers and does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.​

Multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid Apia general insurance policies. 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 for the MPD around the time your other policies are due for renewal, the MPD may not have been applied to the renewing policies because the renewals were generated before you were eligible for MPD. Please contact us if you believe you are eligible for the MPD on your renewal but it is not shown on your certificate of insurance.  See full terms and conditions.

Eligible policies that qualify for the MPD are Apia: home, contents, landlord, car, motorcycle, boat, caravan and motorhome insurance. To find out more about the multi-policy discount please phone us on 13 50 50.​

MPD does not apply to optional covers Personal valuables – unspecified items, Personal valuables – specified items, Apia Home Assist, Excess-free Glass cover or Apia Roadside Assist. ​