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.
All home insurance policies have events where your provider will not cover you. Here are a few of the main exclusions from Apia:
Make sure you read Apia’s PDS for a more detailed breakdown of exclusions. You can also head to general exclusions for more information.
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:
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.
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.
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