When it comes to protecting your home and its contents, you want to make sure that you have everything covered. When selecting a policy, it’s important to make sure that a missed condition doesn’t leave you out in the rain. Apia has long been looking out for Australians over 50 and is a respected brand in the insurance market. But what does this mean for you? To see its policy options, exclusions and additional cover, check out our breakdown of Apia Home Insurance.
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What cover options does Apia have?
- Home and Contents. Home and Contents covers both your housing structure, as well as anything included on the property, such as garages, walls and permanently fixed items, while contents extends for any items or valuables in your house. Apia’s basic policy covers your home and contents against damage or loss from fire, theft, storm, flood and vandalism.
- Home and Contents Extra. With everything included in home and contents insurance, an Extras policy provides higher limits on claims, as well as cover for accidental loss or damage and additional features such as financial card fraud cover.
How does each cover type compare?
|Home & Contents||Home & Contents Extra|
|Flood, storm or lightning|
|Theft or burglary|
|Riot, civil commotion or public disturbance|
|Escape of liquid|
|Damage by animal|
|Accidental glass breakage|
|Malicious acts and vandalism|
|Accidental loss or damage|
|Higher claim limits|
|Financial card fraud|
|Legal liability||$20 million||$20 million|
What additional cover options are there?
Personal Items. You can take out additional cover for any personal items or valuables you wish to have extra protection on, such as: jewellery, watches, handbags and wallets, portable electronic and electrical items and their accessories (phones, laptops, cameras, etc) and sporting goods and equipment (not while in use). If you have a wheelchair, mobility scooter or any similar medical aids, these can also be included with optional cover.
What exclusions are there?
Exclusions will change depending on your insurer and selected policy. General exclusions that you would not be able to claim against would involve loss or damage as a result of:
- Actions of the sea
- Aircraft shock waves
- Biological, chemical, other pollutant or contaminants
- Building extensions, alterations or renovations
- Chips and scratches
- Computer virus or hacking
- Confiscation of damage by a legal authority
- Consequential losses or extra costs following an incident
- Defect, structural fault or design fault
- Deliberate or reckless acts or omissions
- Failing to take care or secure your home and contents
- Wear, tear, mould and gradual deterioration
What excess do I need to pay?
An excess is the amount you have to pay for each incident when you make a claim. Sometimes you might have to pay more than one type of excess. 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.
How do I make a claim?
Once the incident or emergency has been dealt with, contact Apia as soon as it is safe to do so on 13 50 50 to begin the claim process and access any benefit your policy gives you access to, such as emergency repairs.
You can also go online to apia.com.au/claims to lodge your claim.