Kogan home insurance review

For a mid-priced policy, Kogan home insurance offers some strong benefits and generous limits.

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Nicola Middlemiss

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Kogan Home Insurance

Key takeaways

  • Kogan is a mid-priced insurer, averaging $1,862, about 10% below the national average for home insurance.
  • Kogan offers high limits for legal liability, temporary accommodation and lock replacement compared to 40+ other brands.
  • Kogan policies include online discounts and Kogan.com credits, however flood cover removal is not an option.

Our verdict

Pros

  • Save up to 10% when you buy home and contents insurance online, plus a $10 monthly Kogan.com credit on purchases over $100. T&Cs apply
  • We compared over 40 home insurance brands. None offered higher limits for legal liability, temporary accommodation, or lock replacement than Kogan
  • Insurance customers get a $10 off a purchase over $100 on Kogan.com, every month

Cons

  • If you're looking for a budget policy, there are cheaper alternatives available
  • There's no option to remove flood cover from your policy to lower your premium

Kogan is a mid-priced home insurance policy with some strong benefits and generous limits - we couldn't find a brand that offered higher cover for legal liability, temporary accommodation, or lock replacement.

Price

Kogan is a mid-priced home insurer, with Finder cost data showing the average policy price is $1,862 - about 10% cheaper than the national average. Remember, your quote may look different as pricing is highly dependent on specific situations.

ProviderAverage costApply
Kogan home insurance$1,861.82
$1,241.44
Youi car insurance$2,126.72
NRMA logo$831.86
AAMI Logo$1,125.97

Methodology

Compare Kogan home insurance policies

3 of 3 results
Finder Score Fire, Storm & Theft Damage Flood Escape of Liquid Accidental damage
8.5 Great
Optional
Discount: Get up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. T&Cs apply.
Get a quote View details
Compare product selection
Kogan Home Insurance logo
8.4 Great
Kogan Contents Insurance
8.4 Great
Optional
Get up to 10% off your first year's premium when you buy new online Contents Insurance, plus a $10 monthly Kogan.com credit (valid on $100+ purchases). T&Cs apply.
Get a quote View details
Compare product selection
Kogan Home Insurance logo
8.5 Great
Kogan Home Insurance
8.5 Great
Optional
Get up to 10% off your first year's premium when you buy new online Home Insurance, plus a $10 monthly Kogan.com credit (valid on $100+ purchases). T&Cs apply.
Get a quote View details
Compare product selection
loading
Showing 3 of 3 results

Finder Score - Home insurance

We crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.

Read the full methodology

1 of 1 result
Updated regularly
Name

Get up to 10% off your first year’s premium

Up to 10% off your first year's premium when you apply online and $10 monthly Kogan credit (valid on $100+ purchases) for active policyholders. T&Cs apply.

Get deal
Get deal
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Showing 1 of 1 result

What additional cover options are available?

Kogan offers some optional benefits to further customise your policy, including:

  • Accidental damage - Covers accidental damage to your building, contents, or both. For example, your child knocks over and breaks a valuable vase.
  • Specified contents - If you have high-value items that won't be covered by the standard limit, you can specify the item and its value to Kogan, and request for it to be insured.

Kogan home insurance claims process

Kogan home insurance is underwritten by Allianz. You can lodge a claim online via the Allianz claims portal, emailing enquiries@koganinsurance.com.au or call 13 10 13. You’ll need your policy number, details of the incident and information on anyone else involved.

Kogan home insurance complaints information

In the last financial year, the Australian Financial Complaints Authority (AFCA) received 930 complaints about Allianz’s home and contents insurance products. Of these, 247 were resolved at the registration and referral stage, giving Allianz a referral resolution rate of 26.56%.

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FAQs

Sources

Nicola Middlemiss's headshot
Journalist
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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

Nicola's expertise
Nicola has written 170 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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2 Responses

    Patricia's avatar
    PatriciaAugust 4, 2017

    How do i get a price for home and contents Insurance from Kogan?

      Jonathan's avatar
      JonathanAugust 4, 2017

      Hello Patricia,

      Thank you for your inquiry.

      You can visit Kogan Insurance website and look for the “Home Insurance” and “Content Insurance” tabs. Afterwards, click “GET AN EXPRESS QUOTE” button.

      Hope this helps.

      Cheers,
      Jonathan

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