Not recommended!
After receiving some heavy rain which caused some water to get into a small section of the Eaves of my home, Apia, after taking very many years of my premium payments, rejected my claim for repairs!
I am a Tradie and regularly checked and kept all my house Gutters myself, however Apia still rejected my claim!
Warning people, don't be tricked into Insuring with this company! They are "not" what they appear!