Exclusively for over 50s, Apia has some benefits specifically tailored to older customers, including those living in nursing homes and retirement villages.
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 four weeks.
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 you’re under 50, 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.
Temporary accommodation is only covered for up to 4 weeks, but some brands offer up to 12 months.
How does Apia compare with other popular providers?
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 offers falls behind many other brands when looking at the maximum amounts policy holders can claim in certain situations.
Compare APIA’s home insurance policies
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These products offer a balance between low pricing and more features.
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Competitive products within their group.
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Usually these products would either have fewer benefits or higher pricing.
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Offering basic cover with limited features or higher pricing.
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.
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%.
FAQs
You can contact Apia via the online chat on its website or via Facebook messenger. You can also call on 13 50 50 or write to GPO Box 756, Melbourne VIC 3001.
No. Apia home insurance is available to anyone aged 50 and over. People aged 49 may also be accepted.
Apia is owned by AAI Limited.
Apia is one of the few home insurance brands to offer home insurance specifically tailored for seniors, including coverage for those living in nursing homes or assisted living facilities.
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.
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