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Home and Contents Insurance

  • New-for-old contents replacement - regardless of item's age
  • Pay your premium monthly at no extra cost
  • 15% discount when you purchase a new home & contents policy online
Get a quote online Retrieve a quote

Choose award winning* protection for your home and contents

Because we know you know your home is your most important asset

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 additional features and covers, including

  • Up to 52 weeks temporary accommodation if your home is unliveable after an insured event
  • Motor burnout cover (up to $2,000)
  • Loss of refrigerated food and medicines (up to $500)
  • Lock replacement if your house keys are stolen (up to $1,000)
  • Financial transaction card fraud 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) other exclusions apply.

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 of a great range of additional cover and features (such as Financial Transaction Card Fraud 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 Extra

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

We'll send a tradesperson to your address after a household emergency to help ensure your home is safe and secure, and help minimise further damage.

Get your online quote today


15% discount^

when you purchase a new Home & Contents policy online

Get a quote online now

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
  • Explosion
  • Earthquake
  • Tsunami
  • Theft or Burglary
  • Riot, civil commotion or public disturbance
  • Escape of liquid
  • Damage by animal
  • Accidental Glass Breakage
  • Fire
  • Impact
  • Malicious acts and vandalism

Exclusions may apply. Refer to the Product Disclosure Statement for more details.

The features and benefits listed on this page apply to new customers from 21 May 2016 and existing customers who renew their policy on or after 27 June 2016.

Service you can trust

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For insurance advice or help with a quote, contact us for a chat. We promise you'll talk with a real person.

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Wherever you are and whatever your needs, Apia can help you

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