Apia's Work Less Pay Less® Discount.
Save on your premium if one or more policy holders works less than 37 hours per week.
Get a quote to redeem your offer.

Home and Contents Insurance

New-for-old contents replacement - regardless of item's age
Pay your premium monthly at no extra cost

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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.

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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

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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.

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15% discount^

when you purchase a new Home & Contents policy online

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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 discount¹

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

*Discounts do not apply to Optional Covers - Apia Roadside Assist, Apia Home Assist or Portable Valuables. 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). Minimum premiums may apply. The discounts we offer are subject to change.

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.

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Service you can trust

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

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

¹A multi-policy discount (MPD) rewards you with a discount off your premium for holding two or more eligible paid general insurance policies with Apia. 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 multi-policy discount, 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. View the eligible policies on the multi-policy discounts page. Discount not applicable to Apia Roadside Assist or Apia Home Assist optional cover(s).

To find out more about Apia multi-policy discounts please phone us on 13 50 50.