Apia Home Contents (strata owners)
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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
- Covers theft from fully enclosed private garages
- No cover for theft by residents, someone entering home from common property without signs of forced entry 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
Claims
- Repair damaged items
- Replace damaged items
- Pay you the item'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)
- Insurer may offer non-cash alternatives
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% 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
- Up to 10% sum insured overall
- Paid on top of sum insured
- Up to 10% sum insured
- Paid on top of sum insured
- Covers moving/storing contents
- Up to 20% sum insured overall
- Up to $2000 per item or set
- Up to 20% sum insured overall
- Up to $2000 per item or set
- Up to $500 overall
- Cover for insured events, unit failure, sudden escape of refrigerant fumes and failure of public electricity supply
- 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)
- Up to contents sum insured overall
- Cover for accident, collision, overturning or theft of removal vehicle; fire and flood
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