Important disclosure
Contents Cover
Policy type
Home and Contents
Combined policy discount
Home and Contents
15%
Promoted home insurance
Promoted
Home & Contents
Home and Contents
Pros and cons
For Home & Contents
Benefits
- Combined policy discount
- Online discount available
- Flexible excess
- Pay monthly at no extra cost
- New for old replacement on contents
- 24 hours claim lodgement
APIA Rate Home insurance overview
For Home & Contents
Features
Policy type Home and Contents | Combined policy discount |
Online discount available 15% discount | Flexible excess |
Pay monthly at no extra cost | New for old replacement on contents |
No claim bonus discount | Choice of builder/repairer |
24 hours claim lodgement | Lodge claim online |
Cooling off period 21 days | Target Market Determination Visit APIA to view Target Market Determination. |
Insured Events
Storm and rainwater cover Standard | Storm surge flooding Standard |
Flash flooding Standard | Riverine flooding Standard |
Fire Standard | Lightning Standard |
Earthquake Standard | Theft or attempted theft Standard |
Malicious damage (including vandalism) Standard | Vehicle impact damage Standard |
Escaped liquid(burst/leaking pipe) Standard |
Benefits - Building
Full rebuilding cost protection | Legal liability Standard up to $20 million |
Temporary accommodation Standard up to 10.00% of sum insured | Accidental damage - building |
Accidental glass breakage | Motor burnout - building Standard |
Removal of debris Standard up to 10.00% of sum insured |
Benefits - Content
Accidental damage - contents | Motor burnout - contents Standard |
Home office contents Standard Full cover | Tools of trade Up to $3000.00 |
Guests belongings Standard up to $2000.00 | Jewellery Up to $2000.00 (item limit), Up to 20.00% (total limit) |
Specified portable items Optional up to - Sum insured | Unspecified portable items Optional up to - $5000.00 |
Credit card theft cover Standard Up to - $1500.00 | Funeral expenses |
