Apia Home Insurance review

Exclusively for over 50s, Apia has some benefits specifically tailored to older customers, including those living in nursing homes and retirement villages.

4.2 ★★★★★ (65 reviews) Write a review
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By

Nicola Middlemiss

Edited by

Joelle Grubb

Updated

Fact checked

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Our verdict

Pros

  • Cover is aimed at older Australians and includes benefits for medication spoilage, mobility scooters, and medical aids.
  • Apia also offers specific home insurance cover for people in nursing homes, assisted living residences, and retirement villages.
  • Apia’s Home Assist option can connect you with emergency tradespeople, taking the stress off if an urgent issue arises at home.

Cons

  • If you’re under 50, you’ll have to look elsewhere for cover.
  • Guest contents is only covered up to $2,000 but many brands offer up to $5,000.
  • Temporary accommodation is only covered for up to 4 weeks, but some brands offer up to 12 months.

Apia has some benefits that aren’t offered by other home insurance providers, including medication spoilage and lower-cost, lower-limit policies for people living in nursing homes or retirement villages.

However, its standard home insurance offers falls behind many other brands when looking at the maximum amounts policy holders can claim in certain situations.

Compare APIA’s home insurance policies

Name Product AUFHO Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
APIA Home Insurance logo
Monthly or Annually
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APIA Home Insurance logo
Monthly or Annually
View details
APIA Home Insurance logo
Monthly or Annually
View details
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What additional cover options are available?

  • Personal valuables. Accidental loss or damage to items you carry outside of the home, including jewellery, hearing aids, phones and laptops, and mobility and medical aids.
  • Home Assist. An emergency assistance service that provides you with a plumber, electrician, locksmith or carpenter in the event of a relevant home emergency.
  • Excess-free glass cover. Don’t pay an excess to repair broken glass, including windows, doors, and skylights, if it’s the only thing damaged in your home.

How to make a claim

There are two ways to lodge a home insurance claim with Apia - either by using the Suncorp Insurance App, or online at the Apia website.

Apia home insurance complaints information

According to data from the Australian Financial Complaints Authority (AFCA), AAI Limited - the company that owns Apia - was the subject of 1,096 complaints related to home or contents insurance in the final six months of 2023.

FAQs

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To make sure you get accurate and helpful information, this guide has been edited by Joelle Grubb as part of our fact-checking process.
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Senior writer

Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

Nicola's expertise
Nicola has written 238 Finder guides across topics including:
  • Personal finance
  • Personal insurance, including car, health, home, life, pet and travel insurance
  • Commercial business insurance
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