We offer up to $20 million cover for death, injury or property damage caused to third parties if it’s connected to your home.
Limits, exclusions and conditions apply. Please refer to the PDS for more detail.
Home and Contents Insurance for over 50's
Get cover for your house and many of the items that make it a home, with a choice of two Home and Contents covers and 24/7 online claims lodgement.
Save 10%
First Year Online Discount*
Already a customer? Skip the queue and do it online
Save 10% on your first year of cover with Apia
Purchase your new, eligible home and contents insurance policy online and a 10% discount* will be applied upon purchase and subtracted from the premium. Please note this online discount is not available with any other offers and does not apply to optional covers Apia Home Assist and Excess-free Glass cover.
Compare Apia Home and Contents Insurance options
Apia offers two levels of home and contents insurance. Both can help repair or replace your home and contents new for old after events such as fire and theft.
All with 24/7 online claims lodgement. Compare the differences below.
Optional covers for added peace of mind
Home building calculator
How much should I insure my home for?
Answer a few simple questions about your home to help estimate a sum insured for your home and contents.
Choosing an appropriate sum insured can help reduce the risk of underinsurance if you need to repair or rebuild after a major insured event. Rebuild costs can vary significantly depending on factors such as building materials, labour costs, design complexity and changes to building regulations. If your insured amount is too low, you may face out of pocket costs if rebuilding costs exceed the amount insured.
Policy Documents
For full details on what is and is not covered by Apia Home and Contents Insurance, including limits, conditions and exclusions. read the relevant Product Disclosure Statement and other policy documents, like the Target Market Determination and Financial Services Guide.
What does Apia Home and Contents Insurance cover?
No matter your level of cover, with Apia Home and Contents Insurance you are insured for loss or damage caused by a wide range of events:
What’s not included?
Some examples of what may have limited cover or not be included are:
Limits, exclusions and conditions apply. Refer to the relevant Product Disclosure Statement for more details.
#No cover for bushfires, storms, storm surges, flood or, tsunamis in the first 72 hours of your policy. Very limited exceptions apply. 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.
Insurance you can rely on
Customer help and support
Manage your policy online, make and track claims, and view policy documents with Apia Online Services. If you haven’t yet done so, you can easily register online.
Prefer to speak to a real person?
Frequently asked questions
What's the difference between Home Insurance and Contents Insurance?
Apia Home Insurance covers your home for loss or damage caused by a range of insured events. In addition to the home itself, some of the permanent structures at the insured address are included as part of what we cover:
- garages
- carports
- gates, and
- fences.
It also covers any fixtures attached permanently to your home, like solar panels and wall, ceiling and floor coverings (excluding carpets).
Apia Contents Insurance covers only your household items and personal belongings at the insured address, such as:
- home computers
- carpets
- unfixed electrical appliances
- furniture, and
- clothing.
Does Apia Home and Contents Insurance cover flood?
Apia Home and Contents Insurance covers loss or damage caused by flood#. 'Flood' means the covering of normally dry land by water that has escaped or been released from a body of water, such as a lake, river, or creek.
Apia Home and Contents Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your home or contents was caused by storm#.
How do I update my Apia Home and Contents Insurance policy?
Apia Online Services is the place to go to update or manage your Apia Home and Contents Insurance policy.
Once you've registered online, you'll be able to:
- view your policy details
- get instant access to policy documents
- upload documents for a claim
- update your policy, and
- track your claim.
If you’ve forgotten your details, resetting your password is simple. To get more out of your account, learn more about Apia Online Services.
What exactly are contents?
Contents are the household items you own or are responsible for and use primarily for domestic purposes. They can include things like clothing, computers, wheelchairs and mobility scooters, curtains, and carpets.
See your PDS for a more comprehensive list of what's included as contents.
How do I decide my home sum insured?
Your sum insured is the most we’ll pay for damage to your home. You set a home sum insured you’re comfortable with when you first insure your home and on each renewal.
To help you choose the sum insured of your home, use the Home Building Calculator. This calculator can help you work out the rebuild cost of your home.
You may also consider seeking advice from an architect, builder, valuer or other qualified professional to more accurately estimate your sum insured.
What happens if I lose my laptop computer while travelling?
Apia covers contents at the insured address. We can also provide Optional Cover for ‘Personal valuables – specified items’ away from the insured address for an additional premium. If you choose to add cover for personal valuables, Apia will cover you for loss or damage of these items up to the insured amount shown on your certificate anywhere in Australia and New Zealand.
When should I consider Apia Home and Contents Extra Insurance?
You should consider choosing Apia Home and Contents Extra if:
- You own high-value items like artwork or jewellery and would like increased limits.
- You want accidental damage cover for additional peace of mind.
What does Apia’s Home and Contents Extra cover?
Apia’s Home and Contents Extra policy includes:
- Accidental damage cover for your home and contents.
- Increased limits for valuable items such as artwork and jewellery.
All standard benefits of Apia Home & Contents Insurance.
What is the difference between Apia Home & Contents and Home & Contents Extra?
- Home & Contents Insurance: Covers your home and belongings against events like fire, theft, storm, and flood.
- Home & Contents Extra: Includes all the benefits of Apia Home & Contents Insurance, plus accidental damage cover and higher limits for certain items (e.g. jewellery up to $2,500 per item, or paintings and artwork up to $3,000 per item).
What is home and contents insurance?
Home and contents insurance covers both your home’s structure and the belongings inside it. Home insurance helps cover the building itself, such as walls, roof and fixed fixtures, while contents insurance covers items like furniture, appliances, clothing and personal valuables.
Apia Home and Contents Insurance allows you to combine both covers in one policy, or choose home‑only or contents‑only cover depending on your needs.
How much is home and contents insurance?
The cost of home and contents insurance varies based on your individual circumstances. Factors such as your home’s location, construction type, age, sum insured, chosen excess and optional covers can all influence the premium.
Because no two homes or households are the same, the most accurate way to understand the cost is to get a quote based on your personal details.
How much home and contents insurance do I need?
The amount of home insurance you need should reflect the full cost to rebuild your home, not its market value. Rebuild costs can vary depending on building materials, labour costs, design features and changes to building standards over time.
For contents insurance, you should consider how much it would cost to replace all your belongings new. If your home or contents are underinsured, you may not receive enough from a claim to fully repair or replace them, leaving you to cover the shortfall yourself.
Do I need home and contents insurance for an apartment?
If you own an apartment, the building itself is usually insured under a strata or body corporate policy. However, this insurance often doesn’t cover items inside your apartment or your personal belongings.
Contents insurance can help protect things like furniture, electronics and clothing. Some apartment owners may also choose home insurance to cover internal fixtures and fittings, depending on what the strata policy includes.
*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.
^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.
Limited cover for legal liability
Insured events
What you are covered for:
To view limits, definitions, conditions and exclusions for the above, please refer to the PDS.
This content applies to new policies commenced or renewed on or after 23 March 2021.
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.
