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Home Contents Insurance

  • Repair or replace your contents new for old, settle in cash or receive a voucher, store credit or stored value card
  • 24/7 claims support to help you every step of the way
  • 15% discount* when you purchase a new home contents policy online
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Choose Apia for your home contents insurance

Cover for your belongings at home, including furniture, unfixed electrical appliances and medical aids

Apia Home Contents

  • Cover for loss or damage to your contents against events such as flood#, storm, lightning, fire, and theft

Plus a range of features and covers, including

  • Optional cover for personal valuables while they’re outside the home 
  • Lock replacement if your house keys are stolen (up to $1,000)
  • Jewellery and watches (up to $2,000 per item)
  • Cover for escape of liquid from listed items, such as dishwashers and washing machines
  • Motor burnout cover (up to $2,000)
  • Cover for visitor’s contents cover (up to $2,000)

#Apia does not cover 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 Contents Extra

  • The reassurance of Apia Home Contents Insurance

Plus a great range of extras for home contents, including

  • Cover for accidental loss or damage to your contents (such as televisions if you accidentally break the screen)
  • The ability to claim more on contents that have fixed and flexible limits (such as $3,000 for paintings and other works of art)
  • Higher limits on a great range of cover and features (such as Financial Transaction Card cover - up to $2,500) 

To select our Home Contents Extra cover you’ll need to answer “Yes” to the question “Would you like additional cover for accidental damage?” when getting a quote online. 


Home Building Insurance

Apia home building insurance may cover the fixtures and fittings in your home. This includes garages; carports; gates; permanent attachments like solar panels; wall, ceiling and floor coverings (excluding carpets); and other structures. Save up to 15%* when you buy a new home building insurance policy online – Explore our building cover today.

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For insurance advice or help with a quote, chat with someone who take 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)

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 home are 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
  • Riot, civil commotion or public disturbance
  • Explosion
  • Impact
  • Damage by an animal
  • Malicious acts or vandalism

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

This content applies to new policies commenced or renewed on or after 23 March 2021.

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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.​

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