Review by our insurance and innovations editor Gary Ross Hunter
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:
APIA doesn't offer many landlord add-ons compared to several other insurers. Some of its add-ons include:
APIA's general exclusions are similar to most other insurers. You won't be covered for:
This isn't an extensive list of APIA's general exclusions. You can find the full list on its PDS.
We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. The data explores 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 (which is underwritten by AAI) did. It includes other brands underwritten by AAI so keep in mind that the total number of complaints is not necessarily all for APIA:
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.
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.
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