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Apia offers Home and Contents cover in standard and Extra options, plus contents-only cover. Extra adds accidental-damage protection and higher limits for some items, but whether either option fits depends on your property, belongings, location and budget. Compare the policy wording and your certificate—not just the headline benefits—before requesting a personalized quote.
What Apia Home and Contents Insurance covers
Home insurance is for the insured building and fixtures; contents insurance is for possessions such as furniture, clothing, art and unfixed appliances. Apia offers Home and Contents as a combined policy and also allows contents-only cover. The cover you select is recorded on your certificate. Apia’s home insurance page and contents insurance page describe the available options.
Apia lists insured events including fire and bushfire, storm, flood, storm surge, lightning, earthquake and tsunami, theft or burglary, escape of liquid, malicious acts or vandalism, impact, animal damage, explosion and riot. Legal liability is also described. These are not unconditional promises to pay: definitions, circumstances, exclusions, limits and the excess in the applicable Product Disclosure Statement (PDS) and certificate determine whether a particular loss is covered.
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| Feature | Standard | Extra |
|---|---|---|
| Accidental damage | Cover for listed insured events; accidental damage is not included as a general additional benefit. | Adds accidental damage cover for contents and certain parts of the home, subject to policy terms. |
| Selected item limits | Standard limits apply to categories and benefits. | Higher limits apply to some selected items or additional covers; exact amounts and eligibility are governed by the PDS and certificate. |
| Contents-only option | Apia Contents is available without building cover. | Apia Contents Extra is also offered as a contents level. |
Apia’s contents page gives artwork as an example of an item with a higher limit under Extra. The home-and-contents page describes accidental damage to certain home parts as well as contents; check the actual wording to see which property and incidents qualify.
#1 Best Overall
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What the limits mean for your belongings
Apia says the maximum payment for contents loss or damage from one incident is generally the contents sum insured shown on the certificate, unless the policy says otherwise. That figure is not a guarantee that every item will be paid at its full replacement cost: item sub-limits, exclusions, depreciation or settlement terms, and the excess may affect a claim. Apia’s PDS summary states, “The most we’ll pay for loss or damage to your contents for any one incident is the contents sum insured unless we say otherwise in your policy.”
Examples on Apia’s product pages include the following limits. They are product terms, not independently verified claim outcomes, and the applicable PDS and certificate take precedence.
Rank #2
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| Benefit or category | Apia-stated example limit | Qualification |
|---|---|---|
| Jewellery and watches at home | Up to $2,000 per item or set, and up to 20% of the contents sum insured in total | Apia Contents page; policy terms and category conditions apply. |
| Artwork under Contents Extra | Up to $3,000 per item | Apia Contents Extra page; policy terms apply. |
| Lock replacement | Up to $500 | Apia Contents page; conditions apply. |
| Motor burnout | Up to $2,000 per incident | Shown on Apia’s contents and home-and-contents pages; conditions apply. |
| Legal liability | Up to $20 million | Apia / AAI Limited PDS, 2025 document version; policy terms apply. |
| Temporary accommodation after an insured event | May be up to 10% of the home sum insured | Apia home-and-contents page; eligibility and conditions apply. |
How to choose a sum insured
Contents
Estimate what it would cost to repair or replace the household’s contents, rather than relying on what you originally paid or what you could sell them for. Apia says customers are responsible for selecting a contents sum insured that reflects repair or replacement costs; underinsurance can leave a shortfall. Check whether valuable items need to be listed or have a higher limit, and account for category caps that may apply even when the total sum insured seems sufficient.
Building
For building cover, estimate the cost to rebuild rather than using the property’s market value. Apia notes that rebuilding costs can vary with materials, labour, design complexity and changes to building regulations. Make sure the estimate reflects the home’s actual features and construction.
Rank #3
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- Flawless 4K@60Hz Video with HDMI: Delivers exceptional clarity and smoothness with its 4K@60Hz HDMI port, making it ideal for high-definition presentations and entertainment. (Note: Only the HDMI port supports video projection; the USB-C port is for data transfer only.)
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When cover may not apply
Apia’s product page says bushfires, storms, storm surges, flood and tsunamis are not covered during the first 72 hours of a policy, subject to very limited exceptions. Do not assume a newly started policy will cover damage from one of these events simply because the event is listed as insured.
Apia also excludes actions or movements of the sea, with a stated qualification for storm-surge damage occurring at the same time as storm damage. The distinction between storm, storm surge, flood and sea movement can matter; use the PDS definitions and contact Apia if the wording is unclear. Apia lists wear and tear and broken electrical items unrelated to an insured event among examples of exclusions.
Rank #4
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- Next-Level 10Gbps & 3A Charging: No more slow 480Mbps, this usb to usb c adapter has a transfer speed of up to 10Gbps, allowing you to do more transferring in less time. This usb adapter fits both USB A and USB C charger, supporting up to 3A fast charging
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Can contents be covered away from home?
Contents cover generally relates to possessions at the insured address. Apia offers optional Personal Valuables cover for eligible items at home or away in Australia and New Zealand, for an additional premium and subject to the certificate and PDS. Examples Apia gives include jewellery, phones, tablets, photographic equipment, hearing aids and mobility aids. Check that each item and the places where you need protection meet the option’s terms. Apia also lists Home Assist and Excess-free Glass as optional covers, subject to eligibility, geographic limits and conditions.
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Apia says premiums depend on individual factors such as location, construction, the age of the home, sums insured, excess and optional covers. There is no meaningful general price to quote without those details; request a quote using the same sums insured, excess and options you would use when comparing policies. Apia’s page advertises a 10% online discount on eligible new home-and-contents policies, subject to exclusions and restrictions. Promotions can change, so confirm eligibility and the final price during the quote process.
Best Value
- 5-in-1 Connectivity: Equipped with a 4K HDMI port, a 5 Gbps USB-C data port, two 5 Gbps USB-A ports, and a USB C 100W PD-IN port. Note: The USB C 100W PD-IN port supports only charging and does not support data transfer devices such as headphones or speakers.
- Powerful Pass-Through Charging: Supports up to 85W pass-through charging so you can power up your laptop while you use the hub. Note: Pass-through charging requires a charger (not included). Note: To achieve full power for iPad, we recommend using a 45W wall charger.
- Transfer Files in Seconds: Move files to and from your laptop at speeds of up to 5 Gbps via the USB-C and USB-A data ports. Note: The USB C 5Gbps Data port does not support video output.
- HD Display: Connect to the HDMI port to stream or mirror content to an external monitor in resolutions of up to 4K@30Hz. Note: The USB-C ports do not support video output.
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How claims work
Apia says to take reasonable steps to prevent further loss, report theft or malicious damage to police, and contact Apia promptly. Online claims lodgement is available. A claim must relate to a covered insured event and is assessed against the policy terms; retain relevant details and follow the instructions given when lodging it.
Which documents to check before choosing
Read the PDS that applies to the policy commencement or renewal date and check the certificate for the cover level, sums insured, excesses, listed items and optional protections you have selected. Apia’s summary says the described material applies to policies commenced or renewed on or after 23 March 2021, but that does not establish which PDS applies to every policy. The official document located is titled “Key information about Apia Home and Contents Insurance,” with “21-06-25” in its filename; confirm the current applicable version directly with Apia rather than assuming it governs a different policy date. Apia directs customers to the relevant PDS and policy documents.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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