To select our 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.
Contents Insurance
Insure your belongings at home with Apia Contents Insurance for over 50’s, including cover for furniture, electronics, medical aids and valuables against events such as flood, theft, fire and storms
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Compare Apia Contents Insurance options
Apia offers two levels of contents insurance. Both designed to help repair or replace your belongings on a new-for-old basis. All with 24/7 online claims lodgement. Compare more differences below.
Policy Documents
For full details on what is and is not covered by Apia Contents Insurance, including terms, conditions and exclusions, read the relevant Product Disclosure Statement.
What does Apia Contents Insurance cover?
No matter your level of cover, Apia Contents Insurance insures you for loss or damage caused by a wide range of events.
What not included?
Below are some examples of what may have limited cover or not be included.
#No cover for bushfires, storms, storm surges, flood or, tsunamis in the first 72 hours of your policy. Very limited exceptions apply. 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.
Limits, conditions and exclusions apply. Refer to the Product Disclosure Statement for more details.
Insurance you can rely on
Customer help and support
Manage your policy online, make and track claims and view policy documents with Apia Online Services. If you haven’t yet done so, you can easily register online.
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Frequently Asked Questions
What’s the difference between Apia Home Insurance and Contents Insurance?
Apia Home Insurance covers your home including:
- garages and carports
- decks and balconies
- gates and
- fences.
It also covers any fixtures attached permanently to your home, like:
- solar panels
- hot water systems
- clotheslines
Apia Contents Insurance can cover your possessions at home, including (but not limited to):
- furniture
- unfixed electrical appliances like a dishwasher, microwave, TV’s and fridges
- artwork, and
- clothing.
Discover more about what is and isn’t covered by each policy within the relevant Product Disclosure Statement.
Can I get contents-only insurance with Apia?
Yes. Apia allows you to choose contents-only insurance. Your certificate will show whether you have contents cover only, and all applicable insured events, limits, conditions and exclusions still apply to your policy.
How much will Apia pay if my contents are damaged or destroyed?
The most Apia will pay for loss or damage to your contents from any one incident is the contents sum insured shown on your certificate.
Some contents categories and items are subject to fixed or flexible limits. For example:
- jewellery
- documents, or
- food spoilage.
These may limit how much can be paid regardless of your total contents sum insured.
Are there limits on certain contents items?
Yes. Some contents items have fixed limits (such as refrigerated food, contents in the open air, and important documents), while others have flexible limits (such as jewellery, artworks, collectibles and tools of trade).
If you choose to increase certain flexible limits and pay an extra premium, those items are listed on your certificate as flexible limits specified items.
How do I choose the right contents sum insured?
It is your responsibility to choose a contents sum insured that reflects the cost to repair or replace your contents if they are damaged or destroyed.
If your contents sum insured is too low, you may be underinsured and exposed to financial loss. Apia will not pay more than your contents sum insured or applicable item limits.
Is Apia Contents Insurance designed for people aged over 50?
Apia Contents Insurance operates under the same policy terms and conditions outlined in the PDS.
Apia is designed specifically for mature Australians, but cover depends on the insured events, limits, exclusions and sums insured selected, rather than age alone.
Can my contents be covered away from home?
Your contents are generally only covered at the insured address. However, certain additional and optional covers may apply, such as
- Cover for contents when moving to a new address
- Contents temporarily removed
- Contents in commercial storage, or
- optional Personal valuables cover for items taken away from the insured address.
These covers are subject to specific conditions, time limits and exclusions outlined in the PDS.
How to claim with contents insurance?
If an incident occurs, you should:
- take reasonable steps to prevent further loss
- report theft or malicious damage to the police, and
- contact Apia as soon as possible.
Claims must relate to an insured event covered by your contents policy and are assessed in line with the conditions, limits and exclusions set out in the PDS.
How do I add Apia Contents Extra?
To select our 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.
