Cover options |
Home Building |
Home Contents (Renters) |
Home and Contents |
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Loss or damage to the building, garage and other outbuildings caused by events like lightning, fire, theft, storm and flood# |
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Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
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Motor burnout cover, up to $2,000 |
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Legal liability for death or bodily injury to other people, or damage to their property |
up to $20 million |
up to $20 million |
up to $20 million |
Optional covers |
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Apia Home Assist |
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Excess-free Glass cover |
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Personal valuables cover (Specified and Unspecified) |
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Accidental loss or damage to your building, like accidentally knocking a shelf and damaging the wall |
With Apia Building Extra |
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With Apia Home and Contents Extra |
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Accidental loss or damage to your contents, like accidentally breaking a TV screen |
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With Apia Contents Extra |
With Apia Home and Contents Extra |
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Higher limits on some additional covers |
With Apia Building Extra |
With Apia Building Extra |
With Apia Home and Contents Extra |
#No cover for bushfires, storms, storm surges, floods or tsunamis in the first 72 hours of cover. 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).Limits, exclusions and conditions apply, please refer to the PDS for full details.
Cover options |
Landlord |
Apartment (Contents only cover) |
Village |
Assisted Living (Contents only cover) |
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Loss or damage to the building, garage and sheds caused by events like lightning, fire, theft, storm and flood# |
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Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
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Loss or damage to your contents at the home caused by events like lightning, fire, theft, storm and flood# |
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Accidental loss or damage |
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^ |
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New for old repair or replacement of contents |
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Motor burnout cover, up to $2,000 |
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Legal liability for death or bodily injury to other people, or damage to their property |
up to $20 million |
up to $20 million |
up to $20 million |
up to $10 million |
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Higher limits on some additional covers |
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Visitor’s contents in your apartment |
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Loss of rent for up to 52 weeks if your property is unliveable following an insured event |
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Theft or burglary and Malicious acts and vandalism by tenants or their guests, up to $25,000 |
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Accidental breakage of fitted glass in furniture and unfixed hung mirrors |
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Covered under Accidental loss or damage |
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Cover for fixtures and fittings you own and that are not covered by Body Corporate |
(when contents are insured in a unit) |
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Optional covers |
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Excess-free Glass cover |
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Personal valuables (Specified) |
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Personal valuables (Unspecified) |
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#No cover for bushfires, storms, storm surges, floods or tsunamis in the first 72 hours of cover. 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).
^The most we pay is $1000 per item, set or collection unless it is a specified personal valuable.
Limits, exclusions and conditions apply, please refer to the PDS for full details.
