Home and Contents Insurance

Cover your home – and the things in it – in case of loss and damage.

  • New for old repair or replacement of your contents
  • 24/7 claim lodgement for support when you need it most

10% off
    when you quote & buy online*

What does Home and Contents Insurance cover?

Apia Home and Contents Insurance provides combined building 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.

Icon home contents default

Apia Home and Contents

What's included

Loss or damage to your home and its contents

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

Temporary accommodation

Up to 10% of your home sum insured for the cost of temporary accommodation if your home can’t be lived in after an insured event

Accidental breakage of glass

Reasonable costs for repairing or replacing fixed glass in things like windows, sinks, and cooking surfaces, as well as fitted glass in furniture and unfixed hung mirrors (up to the home or contents sum insured, whichever applies)

Lock replacement if your house keys are stolen

Cost of replacing or recoding locks to external doors or windows if your keys are stolen (up to $1,000)

Visitor's contents

Loss or damage to contents owned by invited visitors caused by an insured event (up to $2,000)##

Food and medication spoilage

Spoilage of food and medicines if your fridge or freezer breaks down following an insured event (up to $750)

#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.

##The longest period that we will cover contents owned by visitors staying at the insured address is 30 consecutive days.

What’s an insured event?

You can be covered for a wide range of incidents and events, including:

  • 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, 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:

  • Bushfire, storm, storm surge, flood or tsunami events in the first 72 hours of cover#
  • Building extensions, alterations or renovations
  • Broken electrical items unrelated to an insured event
  • Wear, tear or deterioration of your home or contents (including chips and scratches)
  • Cash, smart cards, phone cards, vouchers, or documents able to be cashed or traded
  • Actions or movements of the sea

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 fixed and flexible limits (such as $3,000 for paintings and other works of art)

Optional covers

Excess-free Glass Cover

Claim for accidental breakage of fixed glass in windows, doors, skylights, shower screens, or mirrors fixed to the home without paying an excess.

Apia Home Assist^

Access to an emergency assistance service if a sudden and unforseen incident that occurs to the home that requires the urgent attention of a plumber, electrician, locksmith, or carpenter.

Buy online and save 10%*! When you purchase a new home and contents policy .

Customer Rating
5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Insurance you can rely on

Award winning insurance

Voted Australia’s 2022 Gold Quality Service Award Winner for Home & Contents Insurance.

Experience you can trust

Apia has offered great value insurance products to Aussie seniors and retirees for over 30 years.

Ways to save

Enjoy flexible payment options and save on your policy with our Work Less Pay Less® discount*, Multi-policy discount* and Online discount*.

Claim anytime

We’re here when you need us most.
Get in touch 24/7 if you need to make a claim.

Frequently asked questions

Home building calculator

Need help choosing your sum insured?

Answer a few simple questions about your home to work out the estimated rebuild cost. 

Home Building Calculator

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.

Log in to My Account

Renew my policy

Pay excess

Make a claim

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.

Insured events

What you are covered for:

  • Flood
  • Storm
  • Storm surge
  • Lightning
  • Fire (including bushfire) & extra costs cover in the event of a bushfire
  • Earthquake and tsunami
  • Theft or burglary
  • Escape of liquid & exploratory costs
  • Malicious acts or vandalism
  • Impact
  • Damage by an animal
  • Explosion
  • Riot, civil commotion or public disturbance 
  • Legal liability

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.