Apia Home Insurance

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

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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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.

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Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions

• How do I make a claim with Apia?

  Claims can be lodged online through Apia’s claim portal. You’ll be contacted within 2 business days to progress your claim. Before you start, make sure to have the following prepared:

  • Your policy number (if you don’t have a paper copy, try to find it in your emails)
  • Details about what happened
  • Supporting evidence of the event including photos, invoices or receipts

• Does Apia Home Insurance cover flood?

  Yes, Apia covers loss or damage caused by flood. There are exclusions to the cover such as actions or movements of the sea or storm surge so make sure to review them in full before making your decision.

• Are my contents covered while travelling?

  Apia covers contents only at the insured address unless you purchase personal valuables cover which is available as an optional add-on. If you choose to add cover for personal valuables, Apia will cover you for the damage or loss of these items up to a specified amount anywhere in Australia and New Zealand.

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.