Home Insurance

Name: Home Insurance
Brand: APIA

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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First Year Online Discount*

The content on this page applies to policies started or renewed on or after 21 June 2025.

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TYPES OF HOME INSURANCE

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Home owner occupiers Landlords Renters Apartments Multi-storey buildings Retirement or lifestyle villages Communal village Nursing home Assisted living accommodation

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Home and Contents Insurance

Save 10% first year online discount*

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 including temporary accommodation during delays.

Apia Home & Contents Extra

All the protection of Apia Home & Contents

Cover for accidental loss or damage to your home and/or contents
Claim more on certain contents that have flexible limits (such as $3,000 for paintings and art per item or set up to 20% of the contents sum insured in total)
Higher limits on some additional covers

To select Home & Contents Extra cover, add accidental damage cover 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 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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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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Retired couple on tablet device in garden

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.

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SUBMITTING YOUR CLAIM

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.

Assessment

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.

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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. 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. 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.