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
Cover your home – and the things in it – in case of loss and damage.
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First Year Online Discount*
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The content on this page applies to policies started or renewed on or after 21 June 2025.
What does Home and Contents Insurance cover?
Apia Home and Contents Insurance provides combined home insurance and contents insurance cover. That means both your home and contents can be covered for things like fire, theft or attempted theft, and weather events like storms# and lightning
Apia Home and Contents
What's included
#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.
Limits, exclusions and conditions apply, please refer to the PDS for full details including temporary accommodation during delays.
What’s an insured event?
You can be covered for a wide range of incidents and events, including:
Limits, exclusions and conditions apply. To find out more about insured events, refer to the relevant Product Disclosure Statement.
What’s not included?
Some examples of what may have limited cover or not be included:
Limits, exclusions and conditions apply. For a complete list of things we don’t cover, refer to the relevant Product Disclosure Statement.
Upgrade your cover
Apia Home and Contents Extra
All the benefits of Apia Home and Contents, plus:
Cover for accidental loss or damage to your home and 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)
Optional covers
Save 10% First Year Online Discount*
Insurance you can rely on
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, you may want to consider watching our Apia Online Services video tutorials.
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.
Home building calculator
Need help choosing your sum insured?
Answer a few simple questions about your home to work out the estimated rebuild cost.
Customer help and support
Manage your policy online, make and track claims, and view policy documents with Apia Online Services. If you’re not registered, signing up is easy.
Haven’t registered for Apia Online Services? Get started now
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*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).
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 for the MPD around the time your other policies are due for renewal, the MPD may not have been applied to the renewing policies because the renewals were generated before you were eligible for MPD. 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.
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 (if available).
Work Less Pay Less® discount does not apply to optional covers Apia Home Assist, Excess-free Glass cover and Apia Roadside Assist (if available).
^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.
#For full details of the covers, limitations, exclusions and conditions and what constitutes a 'flood', please read the Apia Home and Contents Insurance Product Disclosure Statements. There is no cover for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.
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.
