A sum insured policy. Apia is an insurance brand focussed on seniors, meaning you can only get a quote if someone 55 and older is named on the policy.
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Description
Cover summary
- Building cover
- Nominate a sum insured for your building
- Contents cover
- Nominate a sum insured for your contents
- Legal liability
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- Up to $20 million
- Cover for people named on the policy, plus their family members living with them
- Cover for incidents in Australia and New Zealand
Cost
Results for paid members only
- Same price to pay monthly
- ACT price comparison
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- NSW price comparison
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- NT price comparison
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- North Queensland price comparison
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- South Queensland price comparison
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- SA price comparison
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- Tasmania price comparison
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- Victoria price comparison
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- WA price comparison
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Covered events
- Theft
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- Covers loss and damage caused by thieves and burglars
- No cover for theft by you or residents
- No cover for theft by people who enter the address with consent of you or someone with authority to allow them access
- No cover for theft by people who enter or leave through an unlockable part of home that's under construction
- No cover for theft or loss of contents or proceeds of sale by people authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale due to bankruptcy or insolvency or person authorised to offer your items for sale
- No cover for theft or loss of contents or proceeds of sale when you, or a person you authorised, sell them online
- Fire
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- Covers fire and bushfire
- Also covers damage caused by heat, ash, soot, smoke from fire within 100m of address
- Up to $1000 for cost of replacing water in any storage vessel which has been used to limit the spread of bushfire in your area, or has become contaminated due to the use of fire retardant at the address, and cost to clean fire retardant off the building
- No cover for arcing, scorching, melting, cigarette burns unless fire spreads
- No cover for gradual exposure to fire, heat, ash, soot, smoke due to recurring fires over time
- No cover for pollution or vapour from heater or cooking appliance unless fire spreads
- 72 hour waiting period for bushfire
- Flood
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- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by water entering home due to through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged contents
- Damage to external paintwork not covered if this is the only flood damage
- 72 hour waiting period
- Storm and cyclone
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- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged items
- Damage to external paintwork not covered if this is the only storm damage
- 72 hour waiting period
- Storm surge
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- Covered
- Also covers damage caused by power surge
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of storm surge
- No cover for damage caused by water entering home through any openings in walls, roof or other unfinished parts of home under construction, even if temporarily covered
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or earth movement
- No cover for cracking of sealed paths, roads or driveways
- No cover for sporting surfaces or courts
- No cover for retaining or free-standing outdoor walls
- No cover for gates or fences that a reasonable person would consider in an obvious state of disrepair
- No cover for garden borders
- No cover for revetments or sea walls
- No cover for pontoons, mooring poles or boat jetties or their attachments or accessories
- No cover for cost of cleaning undamaged items
- Damage to external paintwork not covered if this is the only storm surge damage
- 72 hour waiting period
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Covers damage from malicious acts and vandalism
- No cover for damage by you or residents
- No cover for damage by someone who enters address with your consent or of someone with authority to allow them access
- Riot & civil unrest
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- Covers riot, civil commotion and public disturbance
- No cover for rioting after actual or threatened release of biological, chemical or other pollutant or contaminant
- No cover for rioting after deliberate damage to reservoir or dam
- No cover for rioting after incident involving nuclear and radioactive materials and contamination
- No cover for rioting after incident involving revolution or war
- No cover for damage caused by you or residents
- No cover for damage caused by somone who enters address with consent of you or someone with your authority to allow access
- Impact damage
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- Covers damage caused by falling trees or part of a falling tree, including roots
- Covers damage caused by watercraft; motor vehicles; trailers; or objects falling from motor vehicles or aircraft
- Covers damage caused by power poles or masts
- Covers damage caused by TV antennas, satellite dishes or communication aerials
- Covers damage caused by drones, aircraft, space debris or meteorites
- Covers power surge caused by the impact
- No cover for damage caused by fallen trees or tree parts being carried in or moved by water
- No cover for damage caused by trees being lopped, felled or transplanted by you or someone you authorised
- No cover for damage to driveways, paths, paving or underground services caused by road vehicles, cranes or earthmoving equipment
- Does not cover removing or lopping trees or branches that haven't damaged the building
- Does not cover removing tree stumps still in the ground
- Does not cover removing roots still in the ground
- Animal damage
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- Covers damage caused by animals inside the home that you didn't know were there (or a reasonable person in the circumstances couldn't have known) or animals that become accidentally trapped inside the home
- Covers fire and escape of liquid caused by insects, rodents or vermin
- No cover for damage caused by animals allowed at the address by a resident or animals you own or are responsible for
- Escape of water and other liquids
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- Covers escape of liquid from: › drains, sewage systems and fixed pipes › refrigerators, freezers, dishwashers, washing machines, waterbeds, aquariums and fixed heating or cooling systems › baths, sinks, toilets, basins and tap spindles (except in showers) › fixed tanks › swimming pools and spas › water mains, fire hydrants and property's main water supply pipe
- Covers damage caused by gradual escape of liquid from the items above, when damage not easily visible to a reasonable person
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of liquid escaping
- Up to $750 for extra costs to match or complement undamaged wall tiles and window and flooring contents in the room or area where damage occurred
- No cover for escape of liquid from agricultural pipes, overflow drains or pipes, shower cubicle walls, open shower floor areas, shower floors or bases, shower glass screening or doors, watering systems, garden hoses or portable containers
- No cover for damage caused by erosion, vibration, landslip, mudslide, collapse, shrinkage or any other earth movement
- No cover for damage caused by rust or corrosion easily visible to a reasonable person
- No cover for items from which liquid escaped
- No cover for open shower floor areas, shower floors, bases, cubicle walls or grass screening or doors
- No cover for gardens, plants or retaining walls
- Not covered if you carry out demolition, repairs or renovations before insurer can inspect damage to find cause (unless work is necessary for health and safety)
- Breakage
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- Covers: – fixed glass in windows, doors and skylights – fixed glass in mirrors fixed to building – glass in fixed light fittings in building – glass in fixed cooking or heating appliances – glass in cook tops and cooking surfaces – sinks, basins, baths, shower-bath combinations, cisterns and toilets – window and door or shower screen frames if necessary to replace glass – other fixed glass (including tint)
- Breakage must extend through entire thickness of damaged item
- If glass replacement not available for cooking or heating appliance, insurer will give you the replacement cost instead of replacing item.
- Option to pay a higher premium for $0 excess on broken glass claims.
- No cover for chips or scratches
- No cover for damage caused by the broken ceramic or glass item
- Does not cover: – ceramic tiles – handheld mirrors – glass part of light globes – shower bases (tiled or otherwise) – drinking glasses normally carried by hand – glass or crystal items normally carried by hand – items damaged while in the open air – screens or glass of computers and television sets or other type of visual/audio electronic device – glass part of vases, decanters, jugs, fishbowls and ornaments – glass in glasshouses, greenhouses or conservatories
- No cover for: – cost to modify building to fit replacment cooking/heating appliance, if dimensions differ – cost to remove glass
- Accidental damage
- Not covered
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
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- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Cash settlement for building claims
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- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Cash settlement for contents claims
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- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- Insurer may offer non-cash alternatives
- New for old contents replacement
- Covered (excludes cds, dvds and paintings, pictures, works of art, sculptures, ornaments, art objects, collections, sets and memorabilia, antiques)
- Unoccupied homes
- $500 additional excess if unoccupied for more than 60 consecutive days
Building
- Motor burnout
- Up to $2000 overall
- Keys and locks after break-in
- Up to $500 overall
- Gardens and landscaping
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- Up to $1000 overall
- No cover for escape of liquid, storm, flood or storm surge
- Costs to comply with building regulations
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- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Professional fees
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- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- Mortgage discharge fees
- Not covered
- Debris removal and demolition
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- Building claims: up to 15% sum insured overall
- Contents claims: up to 10% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and professional fees
- Exploratory costs
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- Applies to claims for escape of liquid (even if claim is denied)
- Covers cost of locating source of escape
- Also covers costs to repair building damage caused by exploratory work
- Up to reasonable cost
- No excess if liquid escaping is not covered by the policy
- Temporary accommodation
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- Up to 10% building sum insured
- Paid on top of sum insured
- Covers residential accommodation of a similar standard to your home, commercial pet boarding, mail redirection, utility connection fees, relocation costs, rental bond and lease break fee
- Up to 5% building sum insured for additional accommodation costs during repair delays out of your control
- Up to 4 weeks for short term accommodation
- Available after a claim for building damage
Contents
- Cover for unspecified portable contents
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- Covers some items for accidental loss/damage
- Choose overall limit from $1000–$5000
- Up to $1000 per item, collection, pair and set
- Up to 30 days for watches and jewellery outside Australia & New Zealand (must be worn or in a safe)
- Covered anywhere in Australia and New Zealand
- $100 excess
- Optional
- Optional cover for individual portable valuables
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- Cover for accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Contents in the open air
- Up to 20% sum insured overall
- Emergency storage
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- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Jewellery
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- Up to 20% sum insured overall
- Up to $2000 per item or set
- Artworks
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- Up to 20% sum insured overall
- Up to $2000 per item or set
- Collections (e.g. stamps, coins)
- Up to $3000 overall
- Digital media
- Covered
- Spoiled food
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- Up to $500
- Covers refrigerated and frozen food, and refrigerated medicines
- Covers spoilage caused by insured events, sudden escape of refrigerant fumes, electrical or electronic failure and failure of public electricity supply
- Excludes damage to refrigerator or freezer by spoiled food
- No cover for spoilage caused by industrial action, or accidental act or omission of power supply authority (except for public safety)
- No excess for claims relating only to spoilage
- Visitors' contents
- Not covered
- Pet cover
- Not covered
- Overlapping cover at a new house
- Up to 14 days cover at both addresses
- Cover for contents while moving house
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- Up to contents sum insured overall
- Cover for fire; flood and collision, overturning, theft or accident of removal vehicle
