Village Insurance

  • 10% discount* when you quote for a new Village insurance policy online
  • Choose to pay by instalments or annually
  • Cover for when your contents are stored in a commercial storage facility
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Village Insurance

If you live in a retirement or lifestyle village, this policy protects your home and contents against unexpected events such as fire, theft, storm, flood#, vandalism, earthquake and impact by objects.

Apia Village cover features:

  • New for old repair or replacement of your contents
  • Fire, theft, storm and flood damage#
  • Contents in a locked cage within your residential complex (sub-limits apply)
  • Motor burnout cover (up to $2,000)
  • Accidental breakage of fitted glass in furniture and unfixed hung mirrors
  • Legal liability (up to $20 million)
  • Vehicle injury to dogs or cats (up to $1,000)
  • Visitor's contents in your apartment (up to $2,000)

#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.

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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.

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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)

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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.​

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.