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Apia Home Insurance

Apia provides insurance for over 50s, believing that those in the prime of their lives deserve quality insurance tailored to their needs. Read on to find out if it’s right for you.

4.2 ★★★★★ (65 reviews) Write a review

Our Verdict

  • Apia has tailored policies available for apartments, assisted living and village-style residences so you only pay for what you need.
  • Motor burnout comes standard on all policies, which is good because most other home insurers will charge extra for it.
  • Flood cover is included but it’s important to note that there are certain exclusions for storm surge and earth movement that occur 72 hours after a flood. Other brands like Westpac and St.George have a more generous flood policy.
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What does Apia Home Insurance cover?

Apia offers a wide range of home insurance to cover different living situations including building insurance, contents insurance and apartment insurance. It also has landlord, village-style residence and assisted living insurance.

Some main events covered by Apia Home Insurance include:

Apia Home Insurance is issued by AAI Limited. Like with many insurers, you'll need to pay an excess and sometimes you might have to pay more than one. For example, if a storm has damaged your house and a resulting flood damages its contents, you would need to make a separate claim for each incident.

If you want more information on what's covered, you can see Apia’s product disclosure statement (PDS) and check out our guide to events that are usually covered.

Here’s the rundown of an Apia Home Insurance policy

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Standard features

We highlighted some benefits that Apia will cover under a home and contents policy once it’s agreed to pay out a claim from an insured event. For example, if a theft (insured event) happens at your home, you could claim the expense of replacing your locks.
  • Lock replacement
  • Repair and rebuilding costs
  • Motor burnout cover
  • Food and medication spoilage
  • Debit or credit card theft
  • Visitor's contents
  • Temporary accommodation
  • Trees, plants and shrubs

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Optional add-ons

Apia Home Insurance offers a few optional extras so you can customise your policy. You can tailor your cover with these add-ons:
  • Apia Home Assist
  • Excess-free glass cover
  • Personal valuables

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All home insurance policies have events where your provider will not cover you. Here are a few of the main exclusions from Apia:

  • Actions or movements of the sea
  • Breaking the law
  • Deliberate or reckless actions
  • Mechanical, electrical breakdown or failure
  • Mould or mildew
  • Not complying with building laws or regulations
  • Revolution or war
  • Tree lopping

Make sure you read Apia’s PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.

Here’s some information on Apia Home Insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2020 and June 2021. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how Apia (AAI Limited) did:

  • AAI Limited is categorised as a very large business which means it’s normal to see a relatively large number of complaints.
    • This is the same case with Insurance Australia Limited and QBE, however, you can see that AAI has a lower percentage of complaints that were resolved at the first stage of the process.

    This is the bottom line about Apia

    Apia has long been looking out for Australians over 50 and is a respected brand in the insurance market. Along with its standard building and contents insurance, you can also find tailored policies for those living in retirement or lifestyle villages and assisted living accommodation.

    Not sure yet? You can compare other home insurance brands side-by-side so that you end up with a policy you’re happy with.

    Why you can trust Finder's home insurance experts

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    Frequently asked questions

    Leave an Apia Home Insurance review

    If you've held, or currently hold, an Apia Home Insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Apia is right for them. Some reviews are from a survey commissioned by Finder.


Written by

Cristal Dyer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full profile

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