Optional Cover 

Excess-free Glass cover

Apia Home Insurance covers accidental glass breakage in certain items — but with optional Excess-Free Glass Cover, you can have eligible fixed glass repaired without having to pay an excess, when that glass is your only claim. Just call up, get it fixed, and that’s that!

Get a quote online

The benefits of optional Excess-free Glass cover

  • No excess payable when your claim is only for accidental breakage of  certain fixed  glass.
  • No limit on number of claims during the policy period.
  • Easy claims process.
  • Trusted glass repairer.

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

What sort of fixed glass is covered?

    This cover applies to fixed glass that’s part of your home. That is, glass within a permanent frame or fixture, such as:

  • window glass
  • skylights
  • shower screens, and
  • fixed mirrors.
  • It also applies to fixed glass outside of the home that’s still part of your property, such as glass pool fences.

Add optional Excess-free Glass cover to your eligible Home Building policy

Home and Contents Insurance

Cover loss or damage to your home and its contents against insured events such as fire, theft, storm, flood# vandalism.

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Home and Contents Extra

All the cover of Apia Home and Contents Insurance — plus accidental loss or damage and a range of higher claim limits and extra features.^

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Home Building and Home Building Extra

Home Building covers your house itself and its permanent fixtures — such as fences, sheds and solar panels — against insured events such as fire, theft, storm, flood#, and vandalism. Home Building Extra offers the same, plus extra benefits like:

  • cover for accidental loss or damage, and
  • higher limits on a great range of cover and features, up to your sum insured.

Learn more

Residential Village Insurance

If you live in a retirement or lifestyle village, this is specially designed to help cover your home or contents (or both) against insured events such as fire, theft, storm, flood#, vandalism and more

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Get a quote online

Buy Online and save 10%*

#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). We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply.
^To select Home & Contents Extra or Home Building Extra Insurance, 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.

How does it work?


Add optional Excess-free Glass cover to your online quote. Existing Home Building customers can add it by calling 13 50 50, though an additional premium will apply.


If an incident occurs that results in broken fixed glass, call 13 50 50 or lodge a claim online, and we’ll arrange a repair.


If there’s no other damage — that is, broken fixed glass is the only thing you’re claiming for — you won’t have to pay an excess!

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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Frequently Asked Questions

*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). 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 (if available).​