What's the difference between Building Insurance and Contents Insurance?

Apia Home Insurance covers your home including garages, carports, gates and fences for loss or damage caused by a range of insured events. It also covers any fixtures attached permanently to your home, like solar panels and wall, ceiling and floor coverings (excluding carpets). Apia Contents Insurance covers only your household items and personal belongings at the insured address, such as home computers, unfixed electrical appliances, furniture and clothing. To learn more about the differences in our Home & Contents Insurance products, take a look at our policy documents .

How do I decide my sum insured?

Your sum insured is the most we will pay for damage to your home. You set a building sum insured you are comfortable with when you first insure your home and on each renewal. To help you choose the sum insured of your home, use the Home Building Calculator . This calculator can help you work out the rebuild cost of your home. You may also consider seeking advice from an architect, builder, valuer or other qualified professional for accurate measuring.

What happens if I miss my monthly instalment payment?

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account. To make a one off payment, follow the below steps: Log into Apia Online Services Select the “Policies” button Select the relevant policy from your policy list If you’re eligible to make a manual payment, click the “Pay now” button which will appear at the top of the Policy Summary screen. If you’re not able to make a payment the box will not appear. You will be able check and update your direct debit or card details with us following your successful payment. You can also update your payment details when you log into Apia Online Services at any time, accessible via the Policy Summary screen. If a monthly instalment is overdue we will let you know. We can cancel your policy by giving you at least 14 days advance notice, but if a monthly instalment is overdue by a month, we can cancel your policy without advance notice. Log in to My Account

Does Apia Home and Contents Insurance cover Flood?

Apia Home and Contents Insurance covers loss or damage caused by flood 1 . 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc. Apia Home and Contents Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*. Learn more about Home & Contents Insurance * Actions or movements of the sea are not covered. For full details of the covers, limitations, exclusions and conditions and what constitutes a 'flood' please read the Apia Home and Contents Insurance Product Disclosure Statement. Australian Pensioners Insurance Agency Pty Limited ABN 14 099 650 996 is an authorised representative of AAI Limited ABN 48 005 297 807, the product issuer. Please read the Apia Home and Contents Insurance Product Disclosure Statement before making any decision regarding this product. Call us on 13 50 50 for a copy. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it. 1 There is no cover for flood in the first 72 hours of your policy. Very limited exceptions apply. Read the PDS for more detail.

Home & Contents Insurance FAQs

Whether you need help logging into your online account or support and information about Apia products, you’ll find many of your questions answered here. If you can’t find the answer you need here, please contact us.

Apia Home Insurance covers your home including garages, carports, gates and fences for loss or damage caused by a range of insured events. It also covers any fixtures attached permanently to your home, like solar panels and wall, ceiling and floor coverings (excluding carpets).

Your sum insured is the most we will pay for damage to your home. You set a building sum insured you are comfortable with when you first insure your home and on each renewal.

Pets are not covered under Apia Home and Contents Insurance. However, if you have contents cover as part of your Apia Home and Contents Insurance, Apia will cover veterinary expenses related to the treatment of your dog or cat if it is injured as a result of a motor vehicle impact anywhere in Australia up to $1,000 per incident.

Apia Home Assist is an emergency assistance service that provides you with selected trade services in the event of a home emergency. This is an optional cover. If you choose to pay the extra premium to add Apia Home Assist, Apia will provide you with assistance when a sudden and unforeseen incident requires the urgent attention of a Plumber, Electrician, Locksmith or Carpenter, for up to two (2) hours.

Apia Home Assist can be contacted, 24 hours a day, 7 days a week. Our support team will be able to assess the emergency. Assistance will be provided as quickly as possible but, during certain hours there may be limited availability. The response time will depend on a variety of factors including severity, location of your insured address and the demand for Apia Home Assist at that time.

If you miss a monthly instalment you can make a one off payment via your Apia Online Services online account.

Apia Home and Contents Insurance covers loss or damage caused by flood1. 'Flood' means the covering of normally dry land by water that has escaped or been released from the normal confines of a lake, a river, a creek etc.

Apia Home and Contents Insurance does not cover loss or damage caused by storm surge unless the loss or damage occurs at the same time as the insured loss or damage to your contents caused by storm*.