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Apartment Insurance

  • Cover for fixtures and fittings you own and that are not covered by body corporate
  • 15% discount^ when you quote for a new apartment insurance policy online
  • Pay your premiums monthly at no extra cost
  • Optional cover for personal valuables like jewellery outside your home

Apartment Insurance

Protects your contents if you live in a multi-storey building against events like fire, theft and storms, and some of the things Body Corporate policies may not cover such as fixtures and fittings that you own. If you work less than 37 hours a week, you can save on your premium with the Work Less Pay LessĀ® discount.

Apia Apartment cover features:

  • New-for-old contents replacement - regardless of age
  • Cover for fire, theft, vandalism, storms and flood damage#
  • Accidental breakage of fitted glass in furniture and unfixed hung mirrors
  • Work Less Pay LessĀ® discount if you work less than 37 hours a week
  • Prevention of access to your apartment due to certain incidents (refer to the PDS for details)
  • Contents motor burnout cover (up to $2000)
  • Contents away from your apartment stored in commercial storage facility (for example when you have downsized your living arrangements)
  • Food and medication spoilage if your refrigerator or freezer breaks down following an insured event (up to $500)
  • Legal liability (up to $20 million)
  • Contents in a locked cage inside your apartment building (sub-limits apply)
  • Contents permanently fixed to common areas, such as clotheslines (up to $2,000)
  • Replacement or recoding of locks if your apartment keys are stolen (up to $1,000)
  • Veterinary expenses for domestic dogs or cats after vehicle impact (up to $1,000)

#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.

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Policy Documents

For full details of what is and isn't covered please refer to the relevant Product Disclosure Statement (PDS)

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