Apia Home and Contents Extra
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Description
Cover summary
- 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
Covered events
- Included under accidental damage cover
- 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
- Included under accidental damage cover
- 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
- Included under accidental damage cover
- 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 damage caused by power surge
- 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
- Included under accidental damage cover
- 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 damage caused by power surge
- 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
- Included under accidental damage cover
- 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 damage caused by power surge
- 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
- Covered as accidental damage
- 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
- Covered by default
- Covers accidental loss and damage to home and contents
Claims
- Repair damaged property
- Replace damaged property
- Pay you the property's replacement value, up to your sum insured or other sublimits
- Customer cost if insurer offers cash
- Insurer cost if you ask for cash (may be less than retail cost)
- 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
Building
- Up to $1000 overall
- No cover for escape of liquid, storm, flood or storm surge
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with debris removal and professional fees
- Up to 15% sum insured overall
- Paid on top of sum insured
- Limit combined with building regulations and debris removal
- 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
- 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
- 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
- Cover for accidental loss/damage
- Covered anywhere in Australia and New Zealand
- $100 excess
- Up to 10% contents sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Up to 20% sum insured overall
- Up to $2500 per item or set
- Up to 20% sum insured overall
- Up to $3000 per item or set
- Up to $500 overall
- Cover for unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
- Up to contents sum insured overall
- Cover for fire; flood and collision, overturning, theft or accident of removal vehicle
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