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.

Apia's Multi-Policy Discount*.
Grab a 10% discount* off your premium for having two or more eligible policies with Apia.
Get a quote or find out more about our multi-policy discount*.

Get a quote

Home and Contents Insurance

  • New-for-old contents replacement - regardless of item's age
  • Pay your premium monthly at no extra cost
  • Buy Online & Save 15%*

Get a quote onlineRetrieve a quote

Choose Apia Insurance for your home and contents cover

Because we know you know your home is your most important asset. If you hold an Apia Home & Contents policy plus work less than 37 hours a week, you can save on your premium with the Work Less Pay Less® discount*.

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
  • Work Less Pay Less® discount* if you work less than 37 hours a week
  • 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 Cover

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

Apia Home Assist is an emergency assistance service that provides you with assistance when a sudden and unforeseen incident requires the urgent attention of a Plumber, Electrician, Locksmith or Carpenter.

^ 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.

Find out more

Excess-free Glass cover

  • No excess payable 
  • No limit on number of claims during the policy period 
  • Easy claims process 
  • Trusted glass repairer

How Excess-glass cover works

When the unexpected happens and fixed glass in a window, door, skylight, shower screen or other fixed glass is accidently broken, if for an extra premium you have chosen to add Excess-free Glass cover as an optional extra on your home insurance, we will cover the cost to replace that glass without you having to pay an excess. Just call us on 13 50 50 or lodge a claim online and we will organise for one of our trusted glass repairers to replace the broken window. We will also cover the cost to repair or replace the frame of any window, door or shower screen, if required to replace the glass. 

Limits, exclusions and conditions apply, please refer to the PDS for full details.

You can also view our Excess-free Glass Cover FAQs to find out more.

Optional Cover

Excess-free Glass cover

When you have Excess-free glass cover and claim for accidental breakage of fixed glass in windows, doors, skylights, shower screens or other fixed glass, we cover the cost to replace that glass, without you having to pay an excess

Find out more

Bazaar Voice - Authentic Reviews
Customer Rating
5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)
Read all 0 Home Reviews

Get your online quote today

15% discount*

when you purchase a new Home & Contents policy online

Get a quote online now
Icon of a house with couch and lamp

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.

Ways to save

Ways to save on your premium

Online discount*

Save on your new Home Insurance policy when you quote and buy online

Multi-policy discount*

A 10% discount off your premium for holding two or more eligible policies (includes combined home & contents policies)

Work Less Pay Less® Discount*

Save on your premium if one or more policy holders works less than 37 hours per week

Learn ways to save

A reward for Apia customers

Start saving at over 100 retailers today with Suncorp Benefits

We know everyone loves a saving! As Apia is part of the Suncorp Network, eligible customers have access to join Suncorp Benefits - to enjoy savings of up to 15% on eGift Cards for everyday items at major retailers.

Find out more

Service you can trust

Here to help

For insurance advice or help with a quote, contact us for a chat.

Contact us

Need to make a claim?
We're available 24/7.

Claim now

We're here to make experience matter for Aussies over 50.

Read more

*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 around the time of policy renewal and the discount is not shown on your certificate of insurance, please contact us as the MPD may not have been applied to the renewing policies.​

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).

Excess-free Glass cover

  • No excess payable 
  • No limit on number of claims during the policy period 
  • Easy claims process 
  • Trusted glass repairer

How Excess-glass cover works

When the unexpected happens and fixed glass in a window, door, skylight, shower screen or other fixed glass is accidently broken, if for an extra premium you have chosen to add Excess-free Glass cover as an optional extra on your home insurance, we will cover the cost to replace that glass without you having to pay an excess. Just call us on 13 50 50 or lodge a claim online and we will organise for one of our trusted glass repairers to replace the broken window. We will also cover the cost to repair or replace the frame of any window, door or shower screen, if required to replace the glass. 

Limits, exclusions and conditions apply, please refer to the PDS for full details.

You can also view our Excess-free Glass Cover FAQs to find out more.

Website Feedback

Cookie and Data Policy
 We use cookies and other related technologies to improve and tailor your website experience. See our Cookie and Data Policy. This policy provides information about how Apia collects and uses data related to your online activity, and how you can choose to remain anonymous.

AAI Limited
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, Motorcycle, Caravan, Motorhome, Boat, Travel, Compulsory Third Party Personal Injury (CTP) Insurance and Motor Accident Injuries Insurance (MAI Insurance). Registered Office: Level 28, 266 George Street, Brisbane QLD 4000.
You should read and consider the Product Disclosure Statement (and any related documents) on this website before making any decisions about general insurance. Any advice 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.

Health Insurance
Apia Health Insurance is issued by nib health funds limited ABN 83 000 124 381 (nib), a registered private health insurer, and is marketed by Platform CoVentures Pty Ltd ABN 82 626 829 623 (PC), a Suncorp Group company. PC is an authorised agent of nib and receives commission from nib.

Life Products
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct).

Funeral Insurance
Apia Funeral Insurance is issued by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life), which are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the Apia brand under license. TAL companies are not part of the Suncorp Group. TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct) has been authorised under an arrangement with the insurers to enter into, vary or cancel insurance cover and manage, administer and settle claims on behalf of the insurer as if it were the insurer.
Asteron and TAL Life support and adhere 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. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email info@fsc.org.au or visit www.fsc.org.au.

Rewards and Recognition
The Reward and Recognition program ("Suncorp Benefits") is being operated by EONX Services Pty Ltd ABN 39 615 958 873. To register for Suncorp Benefits you must hold a current eligible personal policy or an eligible personal product or service from one of the brands in the Suncorp Network brand. Purchase limits apply to each individual retailer. See full Terms and Conditions. Use of Suncorp Benefits is subject to the operator's privacy policy.

How can we help?

Chat to us online now