Apia Home Insurance review

Designed for over 50s, Apia has some benefits specifically tailored to older customers, including those living in nursing homes and retirement villages.

4.2 (66 reviews) Write a review
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By

Nicola Middlemiss

Edited by

Joelle Grubb

Updated

Fact checked

Key takeaways

  • Apia home insurance targets those aged 50 and over offering tailored benefits.
  • Expect lower limits for guest contents at $2,000 and temporary accommodation is capped at 10% of the home sum insured.
  • Apia received 1,968 home and contents complaints in 2024-2025 with over 50% resolved early.

Our verdict

Pros

  • Cover is aimed at older Australians and includes benefits for medication spoilage, mobility scooters, and medical aids.
  • Apia also offers specific home insurance cover for people in nursing homes, assisted living residences, and retirement villages.
  • Apia’s Home Assist option can connect you with emergency tradespeople, taking the stress off if an urgent issue arises at home.

Cons

  • If neither you nor your partner is 50 or over, you’ll have to look elsewhere for cover.
  • Guest contents is only covered up to $2,000 but many brands offer up to $5,000.

Apia has some benefits that aren’t offered by other home insurance providers, including medication spoilage and lower-cost, lower-limit policies for people living in nursing homes or retirement villages.

However, its standard home insurance offering falls behind many other brands when looking at the maximum amounts policy holders can claim in certain situations.

Compare Apia’s home insurance policies

Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
APIA Home Insurance logo
9.8 Excellent
Apia Home and Contents Insurance
9.8 Excellent
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APIA Home Insurance logo
9.9 Excellent
Apia Contents Insurance
9.9 Excellent
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APIA Home Insurance logo
9.8 Excellent
Apia Building Insurance
9.8 Excellent
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Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

What additional cover options are available?

  • Personal valuables. Accidental loss or damage to items you carry outside of the home, including jewellery, hearing aids, phones and laptops, and mobility and medical aids.
  • Home Assist. An emergency assistance service that provides you with a plumber, electrician, locksmith or carpenter in the event of a relevant home emergency.
  • Excess-free glass cover. Don’t pay an excess to repair broken glass, including windows, doors, and skylights, if it’s the only thing damaged in your home.

How to make a claim

There are two ways to lodge a home insurance claim with Apia - either by using the Suncorp Insurance App, or online at the Apia website.

Apia home insurance complaints information

In the 2024-2025 financial year, AFCA received a total of 1,968 complaints about Apia's home and contents insurance products. 1,042 of those were resolved at the registration and referral stage, giving Apia a referral resolution rate of 52.95%.

Comparison of complaint data from major home insurers.

Home insurance complaints - Apia · dw:1Babi
UnderwriterProviderComplaints received (building)Complaints resolved at registration & referral (building)Referral resolution rateComplaints received (contents)Complaints resolved at registration & referral (contents)Referral resolution rate
AAI LimitedApia1,58483851.82%38420456.20%
QBE Insurance (Australia) LimitedQBE68021431.66%581932.76%
Allianz Australia Insurance LimitedAllianz76520530.58%1384232.06%
Insurance Australia LimitedNRMA93241242.08%24012350.83%
Source: Australian Financial Complaints Authority

FAQs

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To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
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Journalist
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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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