We don't currently have this brand on our panel. But don't fret! You can head to the Apia website or compare a bunch of other landlord insurance companies with finder.
Building Only Insurance. When a policy mentions your home or a building, this includes pipes, cables, ducting, wires, switches, meters, fixed appliances, carports, patios, paved paths, driveways and other permanent fixtures (pools, spas, etc).
Contents Only Insurance. Referring to property owned by you as the landlord or for which you are responsible, this includes carpets, curtains, blinds, furniture, furnishings, non-permanent light fittings, removable domestic appliances, utensils, swimming pools and their accessories.
Combined Home & Contents Insurance. You can combine both policies for complete protection of your home and its contents.
Here's some of the main insured events it can cover you for:
APIA landlord insurance comes with a long list of inclusions it can cover you for when you make a claim for an insured event. These include:
Loss of rent following an insured event
Removal of debris
Other repair/rebuilding costs (property cover only)
Environmental improvements (property cover only)
Damage to gardens and plants (property cover only)
Storage of undamaged contents (contents cover only)
Accidental breakage of glass
Legal costs to recover unpaid rent
Loss of rent - prevention of access
Lock replacement (after theft of keys)
Kitchen appliance heat (property cover only)
Damage caused by emergency services (property cover only)
Optional add-ons
APIA doesn't offer many landlord add-ons compared to several other insurers. Some of its add-ons include:
Loss of rent by tenant default. If your tenant stops paying rent or permanently leaves without notice, you will be covered for a period of 14 weeks
Loss of rent by prevention of access
Legal costs to recover unpaid rent
Exclusions
APIA's general exclusions are similar to most other insurers. You won't be covered for:
Actions of the sea
Aircraft shock waves
Animals
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
This isn't an extensive list of APIA's general exclusions. You can find the full list on its PDS.
APIA landlord insurance complaints
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%.
Bottom line about APIA landlord insurance
APIA landlord insurance is good if you want a good discount, work less than 37 hours a week or want lots of features automatically included in your policy. However, its underwriter AAI did receive a high percentage of complaints in the period we looked at.
If you're not yet ready to take out a landlord insurance policy, you can compare others side-by-side here.
FAQs about APIA landlord insurance
According to APIA's Target Market Determination (TMD) document, this product is suitable for:
Those who are over 50 years of age when taking out a policy.
Those who have a tenanted property or unit and want to insure it for a tenant's domestic use (this may also include the contents if the property is furnished with the landlord's items).
Those who have a home that meets underwriting criteria like having an acceptable building type, living in an acceptable postcode, and that your home is maintained.
In the event of an incident involving loss or damage, take all reasonable measures to reduce or prevent further incidents, and contact any required emergency services on 000. Collect any releventant information, including reports and other documentation, and contact APIA online at www.apia.com.au/claims or over the phone on 13 50 50. Alternatively, you can visit your local branch to speak with a consultant.
APIA landlord insurance reviews
If you've held or currently hold an APIA landlord 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.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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The best landlord insurance is the one that you can trust to protect your investment when you're not there.
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