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. We've scored this policy on cover only, because the insurer doesn't share its price data.
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Description
- Insurer
- Apia
- Policy
- Home Contents Extra (strata owners)
- Owner type
- Strata owners
- Provider
- AAI Limited
- About the insurer
- Apia
Cover summary
- 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
- Renters liability
- N/A
Cost
- Same price to pay monthly
- ACT price comparison
- N/A
- NSW price comparison
- N/A
- NT price comparison
- N/A
- North Queensland price comparison
- N/A
- South Queensland price comparison
- N/A
- SA price comparison
- N/A
- Tasmania price comparison
- N/A
- Victoria price comparison
- N/A
- WA price comparison
- N/A
Covered events
- Theft
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- 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 address without signs of forced entry from common property, shared clothes line areas, storage areas, a parking lot within the insured address, or garages
- 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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- 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
- Flood
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- 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
- 72 hour waiting period
- Storm and cyclone
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- 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
- 72 hour waiting period
- Storm surge
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- 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
- 72 hour waiting period
- Action of the sea
- Not covered
- Tsunami
- Covered
- Explosion
- Covered
- Earthquake
- Covered
- Vandalism
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- Included under accidental damage cover
- 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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- Included under accidental damage cover
- 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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- 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
- Escape of water and other liquids
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- Included under accidental damage cover
- Covers damage caused by landslide and subsidence but must be directly caused by and occur within 72 hours of escape
- No cover for damage caused by rust or corrosion easily visible to a reasonable person
- 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 items from which liquid escaped
- 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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- Included under accidental damage cover
- Breakage must extend through entire thickness of damaged item
- Option to pay a higher premium for $0 excess on broken glass claims.
- Does not cover glass in glasshouses, greenhouses or conservatories
- Accidental damage
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- Covered by default
- Covers accidental loss and damage to your contents
Claims
- Out-of-hours claiming
- Online and 24/7 phone
- How the insurer can settle your claim
-
- Repair damaged items
- Replace damaged items
- Pay you the item's replacement value, up to your sum insured or other sublimits
- Cash settlement
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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
Contents
- Cover for unlisted portable 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
- Optional cover for specially listed 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
- Temporary accommodation
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- Up to 10% sum insured
- Paid on top of sum insured
- Covers temporary accommodation costs for you and your pets, mail redirection, utility connection fees, relocation costs, rental bond, and lease break fees
- Debris removal
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- Up to 10% sum insured overall
- Paid on top of sum insured
- Exploratory costs
- Not covered
- Emergency storage
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- Up to 10% sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Keys and locks after break-in
- Up to $1000 overall
- Motor burnout
- Up to $2000 overall
- Jewellery
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- Up to 20% sum insured overall
- Up to $2500 per item or set
- Artworks
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- Up to 20% sum insured overall
- Up to $3000 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 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
- Covers refrigerated and frozen food, and refrigerated medicines
- Visitors' contents
- Up to 30 days and $2000 overall
- Pet cover
- Not covered
- Permanent fixtures
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- Up to sum insured overall
- Covers fittings not considered part of the building by state law
- Covered fixtures include lino, floating wooden floors, ducted/split system air conditioners, spas and wall paint/paper (NSW only)
- 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
