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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 and Contents Insurance

  • New for old repair or replacement of your contents
  • Pay your premium monthly at no extra cost

Choose Apia Insurance for your home and contents cover

Because we know your home is such an important asset. If you hold an Apia Home & Contents policy plus work less than 37 hours a week, you can save on your premium with the Work Less Pay Less® discount*.

Apia Home & Contents

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

Plus a range of features and covers, including

  • Up to 10% of your home sum insured to go to the cost of temporary accommodation if your home cannot be lived in after an insured event
  • Work Less Pay Less® discount* if you work less than 37 hours a week
  • Motor burnout cover (up to $2,000)
  • Food and medication spoilage if your refrigerator or freezer breaks down following an insured event (up to $750)
  • Lock replacement if your house keys are stolen (up to $1,000)
  • Financial Transaction Card cover if your card is stolen from your insured home (up to $1,500)
  • Visitor's contents 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)

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

Apia Home & Contents Extra

  • All of the protection of Apia Home & Contents

Plus a great range of home & contents extra benefits, including

  • Cover for accidental loss or damage to your home and contents
  • Claim more on contents that have fixed and flexible limits (such as $3,000 for paintings and other works of art)
  • Higher limits on a great range of cover and features (such as Financial Transaction Card cover - up to $2,500)

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

Policy Documents

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

Optional Cover

Add optional Apia Home Assist^ to help support you after a Home Emergency

Apia Home Assist is an emergency assistance service that provides you with assistance when a sudden and unforeseen incident requires the urgent attention of a Plumber, Electrician, Locksmith or Carpenter.

^ Some geographical limitations apply to the availability of Apia Home Assist. Apia Home Assist is only available to you 24 hours after adding the option to a new or existing policy. Terms and Conditions apply.

Find out more

Optional Cover

Excess-free Glass cover

When you have Excess-free glass cover and claim for accidental breakage of fixed glass in windows, doors, skylights, shower screens or fixed mirrors which are part of the home, we cover the cost to replace that glass, without you having to pay an excess.

Find out more


Apia Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost
of your home to help you choose your sum insured.

Customer Rating
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Get your online quote today

10% Discount*

when you purchase a new Home & Contents policy online

Get a quote online now
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Insured events

No matter your level of cover, you and your home are insured for a wide range of events and situations such as:

  • Flood
  • Storm
  • Lightning
  • Earthquake and tsunami
  • Theft or Burglary
  • Riot, civil commotion or public disturbance
  • Escape of liquid
  • Damage by an animal
  • Explosion
  • Fire (including bushfire)
  • Impact
  • Malicious acts or vandalism

Limits, conditions and exclusions apply. Refer to the Product Disclosure Statement for more details.

This content applies to new policies commenced or renewed on or after 23 March 2021.

Ways to save

Ways to save on your premium

Online Discount*

Save on your new Home Insurance policy when you quote and buy online

Multi-policy Discount*

A 10% discount off your premium for holding two or more eligible policies (includes combined home & contents policies)

Work Less Pay Less® Discount*

Save on your premium if one or more policy holders works less than 37 hours per week

Service you can trust

Here to help

For insurance advice or help with a quote, contact us for a chat.

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We're here to make experience matter for Aussies over 50.

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*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 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.​ 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. ​

Work Less Pay Less® discount does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist.

Apia Home Building Calculator

This calculator has some questions included that you may not find in other calculators, which will impact the estimate that is calculated.

Excess-free Glass cover

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

How Excess-free Glass cover works

When the unexpected happens and fixed glass in a window, door, skylight or shower screen in your home is accidently broken, if for an extra premium you have chosen to add Excess-free Glass cover as an optional extra on your home insurance, we will cover the cost to replace that glass without you having to pay an excess. Just call us on 13 50 50 or lodge a claim online and we will organise for one of our trusted glass repairers to replace the broken window. We will also cover the cost to repair or replace the frame of any window, door or shower screen, if required to enable us to replace the glass.

Please refer to the PDS for full details.

You can also view our Excess-free Glass Cover FAQs to find out more.

How can we help?

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