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
- Covers theft and burglary
- No cover for theft when you are selling your belongings online
- No cover for theft by residents, a person authorised to offer your belongings for sale, someone who enters or leaves through an unlockable part of a home that's under construction or someone at site with consent
- Covers fire; bushfire; and heat, ash, soot or smoke from fire within 100m of address
- After bushfire, up to $1000 for cleaning fire retardant off building and replacing water contaminated by fire retardant or used to limit spread of fire
- 72 hour waiting period for bushfire
- Covered
- Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
- No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
- No cover for cracking of sealed paths, roads or driveways
- No cover for cost of cleaning undamaged items
- Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
- Damage to external paintwork not covered if this is the only flood damage
- 72 hour waiting period
- Covered
- Covers landslide and subsidence but must be directly caused by and occur within 72 hours of storm
- No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
- No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
- No cover for cracking of sealed paths, roads or driveways; or power surge
- No cover for cost of cleaning undamaged items
- Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
- Damage to external paintwork not covered if this is the only storm damage
- 72 hour waiting period
- Covered
- Covers landslide and subsidence but must be directly caused by and occur within 72 hours of flood
- No cover for damage caused by erosion; vibration; landslip; mudslide; collapse; shrinkage; earth movement; or water entering the home, if under construction, through openings in unfinished parts
- No cover for damage to retaining walls, sea walls, revetments, garden borders, free-standing outdoor walls, sporting surfaces or courts, boat jetties, pontoons or mooring poles and attachments or accessories
- No cover for cost of cleaning undamaged items
- Gates, fences or wall fences not covered if a reasonable person would consider them to be in an obvious state of disrepair
- Damage to external paintwork not covered if this is the only storm surge damage
- 72 hour waiting period
- 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, flood, storm 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 accident, collision, overturning or theft of removal vehicle; fire and flood
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