Home Building Insurance

  • Damage or loss of your home, garages and sheds
  • Lifetime guarantee on repairs we authorise at your home
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    First Year Online Discount*

Choose Apia for your home building insurance

So you can get back on track if the unexpected happens

Apia Home Building

  • Cover for loss or damage to buildings caused by flood#, storm, lightning, fire, impact, and break-in events

Plus a range of features and covers, including

  • Potential new-for-old replacement, if repairing or rebuilding your home
  • Legal liability cover for death or bodily injury to other people or damage to their property
  • Temporary accommodation for you and your pets following an insured event
  • Cover for escape of liquid from listed items, such as dishwashers and washing machines
  • Cover for motor burnout (up to $2,000)

#Apia does not cover loss or damage caused by actions or movements of the sea or storm surge (unless the storm surge damage occurs at the same time as damage caused by storm)

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

Apia Home Building Extra

  •    All the cover of Apia Home Building Insurance

Plus a great range of home & contents extra benefits, including

  • Cover for accidental loss or damage 
  • Higher limits on a great range of cover and features, up to your sum insured

To choose our Building Extra cover, you'll need to answer "Yes" to the question "Would you like additional cover for accidental damage?" when getting a quote online.

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


Home Contents Insurance

Apia Home Contents Insurance may cover your household items such as electronics, furniture and clothing from a range of insured events. Receive a 10% discount* when you purchase a new contents policy online – Explore our contents cover today

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Talk to an Expert

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

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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 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.

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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 fixed mirrors which are part of the home, we cover the cost to replace that glass, without you having to pay an excess

Find out more


Estimate the cost to rebuild

This calculator can help you work out the estimated rebuild cost
of your home to help you choose your sum insured.

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First Year Online Discount*

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Insured events

No matter your level of cover, you and your buildings may be insured for a wide range of events and situations such as:

  • Flood#
  • Storm
  • Lightning
  • Earthquake and tsunami
  • Theft or Burglary
  • Fire (including bushfire)
  • Escape of liquid
  • Damage by an animal
  • Riot, civil commotion or public disturbance
  • Impact
  • Explosion
  • Malicious acts or vandalism

Limits, conditions and exclusions apply. Refer to the Product Disclosure Statement for more details.

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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.

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*If you receive 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).

Excess-free Glass cover

  • No excess payable when your claim is only for the broken fixed glass
  • No limit on number of claims during the policy period
  • Easy claims process
  • Trusted glass repairer

How Excess-free Glass cover works

When the unexpected happens and fixed glass in a window, door, skylight or shower screen in your home 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 enable us to replace the glass.

Please refer to the PDS for full details.

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