Your browser version is no longer supported, so you may experience issues while using this site.
Please upgrade to a current browser to enjoy the best experience.

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

Existing customers

  1. Make a claim Make a claim at your own time and pace
  2. Renew & Pay Pay your renewal online
  3. Apia Online Services Easily manage your policies online
  4. Policy Documents Full details on what we cover

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.

Get a quote online

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

Get 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.

Find out more

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

Here to help

For insurance advice or help with a quote, chat with someone who takes the time to understand you.

Contact us

Need to make a claim?
We are available 24 hours a day 7 days a week.

Claim now

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

Read more

^Online policy discount does not apply to Apia Health, Funeral, Travel or CTP insurance or Apia Roadside Assist and Home Assist optional cover (where applicable). Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of AAI Limited ABN 48 005 297 807 AFSL 230859 (AAI), the issuer of Home, Landlord, Car, Caravan, Motorhome, Boat, Travel & Compulsory Third Party Personal Injury (CTP) Insurance. Registered Office: Level 28, 266 George Street, Brisbane QLD 4000. Read the PDS on this website before making any decisions about this insurance. Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it. Funeral Insurance and Injury Support insurance issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 (SLSL) under the Apia brand and distributed by Suncorp Financial Services Pty Ltd ABN 50 10 844 6210 (SFS). Apia, AAI, SFS and SLSL are subsidiaries of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). Suncorp supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. For more information or to download the code click here. Products and services including banking, superannuation and insurance are provided by different entities of the Suncorp Group. Each entity is not responsible for, or liable in respect of, products and services provided by other entities of the Suncorp Group. Health insurance is issued by nib health funds limited ABN 83 000 124 381(nib) a registered private health insurer and is arranged by Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 as an authorised agent of nib for which it receives a commission. #Interest Rates effective from 29 January 2018. Interest is calculated daily and paid monthly on a stepped basis. You are paid interest for that part of your account balance that falls within each range, at the rate applicable to that range. This account is available to personal customers who are aged 50 and over who hold a current Apia Insurance Policy. In the case of joint accounts, one of the account holders must be over 50. An account cannot be opened in trust for another person. Deposit Products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 AFSL No 229882 Australian Credit Licence 229882 ("Suncorp Bank") to approved applicants only. Fees, charges, terms and conditions apply and are available on request. Please read the Product Information Document before making any decision regarding this product. For a paper copy visit your local branch or contact us on 1800 931 178. Products and services including banking, superannuation and insurance (including life insurance, home and car insurance) are provided by separate companies in the Suncorp Group. Suncorp Bank is only liable for the banking products or services it provides and not the products and services of the other companies in the Suncorp Group.

*When an Eligible Product is purchased between 01/09/18 and 31/10/18 the Eligible Customer will receive up to $300 reduction off the premium payable for the relevant Eligible Product. During this time, $300 is the maximum reduction off the premium payable that can be received when the combination of Apia Premium Hospital and any Apia Extras health insurance policy is purchased.  The Offer will only be fulfilled to the primary policyholder after the policy has been held for 45 consecutive days after the end of the month that the Eligible Product was purchased in. The Offer is not available to existing health insurance customers of Apia, nib, AAMI, Suncorp or Qantas Insurance, or to previous policyholders who have joined and cancelled 6 months before or during the Offer Period. Apia reserves the right to withdraw or extend this offer at any time. Terms & Conditions apply.+