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Home Building Insurance

  • Damage or loss of your home, garages and sheds
  • Lifetime guarantee on repairs we authorise at your home
  • Save up to 15%* when you buy a new building policy online

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 additional 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 accidental breakage of glass
  • Cover for water damage from household items
  • 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). Other exclusions apply.

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 of a great range of additional 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.

SIMILAR PRODUCT

Home Contents Insurance

Apia Home Contents Insurance may cover your household items such as electronics, jewellery and watches from a range of insured events. Receive a 15% discount* when you purchase a new contents policy online – Explore our contents cover today

Find out more 

Talk to an Expert


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

Contact us 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

Get your online quote today

15% discount*

when you purchase a new Home & Contents policy online

Get a quote online now
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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
  • Lightening
  • Fire
  • Earthquake
  • Tsunami
  • Theft or Burglary
  • Accidental breakage of glass
  • Escape of liquid
  • Damage by an animal
  • Riot, civil commotion or public disturbance
  • Impact
  • Explosion
  • 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 exisiting customers who renew their policy on or after 27 June 2016.

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.

Service you can trust

Here to help

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 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).​

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.

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