There are two levels of home cover available: Essential and Top. Both can deliver the all-important protection from natural events and legal liability cover, while Top can also include a range of additional benefits.
In the case of home insurance only, your insured item is the property itself, including most permanent fixtures inside (like floor tiles), secured outbuildings like garages and sheds, and landscaping like retaining walls, driveways and tennis courts. It does not include caravans kept on the property, swimming pools or most other landscaping.
Carpets, floor rugs, internal blinds and contents are considered to be contents, rather than part of the property.
If your insured property suffers damage caused by an insured event, you can claim the cost of your loss with Kogan home insurance.
What’s not covered
Fire and explosion
Damage to your home caused by open flames or explosions
Damage caused by heat alone but not flames. Scorching and burn marks are covered with Top cover
Malicious damage and theft
Damage to your home or theft of insured items
Theft or damage caused by people living at the address
Storm, rainwater and flood
Damage caused by storms or rainwater, or whenever an area that’s normally dry land is covered by water
Gradual water damage or damage to specific things like outdoor retaining walls or tennis courts
Accidental glass breakage
Damage to windows and other fixed glass, shower screens and basins
Chipping or other minor damage. You are only covered if the breakage extends through the entire surface of the glass
Damage to your home caused by lightning strikes
Lightning damage to items that are not insured under your policy. For example, electrics that are instead covered by contents insurance
Earthquake, tsunami and volcanic eruption
Damage to your home resulting from earthquakes, tsunamis or volcanic eruption, including resulting damage such as landslides caused by earthquakes
Any actions of the sea other than tsunami, or certain types of damage that occur more than 72 hours after the insured event.
Damage to your home caused by falling trees, cars, space debris or other items
Damage caused by tree felling on the site, or damage to driveways caused by vehicles
Escape of Liquid
Sudden or unexpected escape of liquid from burst pipes, aquariums and more
The cost of repairing the item from which the water leaked, or damage to retaining walls. Seepage of liquid or gradual leakages
Riot, civil commotion
Damage caused by any kind of rioting or civil commotion
Damage that occurs more than 72 hours of rioting or civil commotion
What additional cover types are available?
You are also covered for legal liability under Kogan home insurance. This means that if you are legally liable to pay compensation as a result of accidents caused by your negligence that occur on your property, Kogan can cover the cost of compensation awarded, reasonable legal expenses or a settlement on your behalf, up to $20 million.
Conditions apply. For example, you are not covered for any liability that emerges from asbestos or in connection with someone’s employment to you. For example, you won’t be covered under this policy if found liable for a housekeeper’s injuries on your property.
With Kogan home insurance, your legal liability cover applies on your property only.
With Kogan contents insurance, your legal liability is extended Australia-wide.
A range of additional cover types is also included, which can vary depending on whether you choose Essentials or Top cover.
You are only able to claim the following when it’s the result of an insured event and Kogan has accepted your claim.
What it does
Removal of debris
Covers the cost of reasonable debris removal and demolition if needed
Replacement of locks
Covers the cost of replacing locks if the keys to an external lock are stolen. Requires you to hold contents insurance as well
A contribution towards funeral expenses if someone who was living at the property dies as the result of an insured event
Helps cover the cost of temporary accommodation if your home cannot be lived in
Temporary dog and cat accommodation
Cost of temporary accommodation for your dog or cat if an emergency accommodation claim is accepted
Discharge of mortgage costs
Helps cover the legal costs associated with discharging your mortgage if your claim is for a total loss. It only covers associated legal expenses and not fees or penalties charged by the provider or for any outstanding amounts.
Damage to trees, plants or shrubs
Cover for artificial grass, as well as trees, plants or shrubs that are potted or planted in the ground, for theft, fire, malicious damage or vehicle damage
What exclusions should I be aware of?
Specific exclusions may apply to individual cover types while a range of general exclusions apply across your policy.
Some of the key general exclusions are:
Actions of the sea: You are not covered for any actions of the sea other than tsunamis, including high tides. For example, you might not be covered for flooding if it occurs as a result of a king tide.
Bushfire, storm, rainwater or flood within 72 hours of taking out cover: You cannot take out an insurance policy to cover an event that you know which may come within the next 72 hours. This does not apply to renewing policies, or switching cover if you previously had this type of cover.
Gradual deterioration: You are not covered for rust, wear and tear, mould, mildew or rising damp.
Unoccupied for longer than 90 consecutive days: If your property is unoccupied for longer than 90 consecutive days, it is no longer covered for anything except lightning and earthquake damage.
Inherent defects or maintenance failures: You are not covered for inherent defects, such as shoddy construction or damage resulting from your failure to keep the property in good repair.
Any earth movement except as otherwise covered: You are not covered for any earth movements, such as landslides, mudslides, erosion, subsidence or collapse, unless it’s the result of an earthquake, flood or rainwater and occurs within 72 hours of it.
Tree roots: You are not covered for any damage or loss resulting from tree roots, including legal liability from a guest tripping over them.
Cleaning with heat or chemicals: With the exception of regular household chemicals, you are not covered for any damage caused by cleaning with the application of heat or chemicals.
Power surges, mechanical or electrical failure, or data corruption: You are not covered for loss or corruption of electronic data and are not covered for power surges, or mechanical or electrical failure except as otherwise stated (such as with the electric motor burnout optional extra, or power surges caused by lightning strikes).
Building work, including extensions and renovations: You are not covered for damage or loss resulting from construction or renovations, such as impacts from construction vehicles. Buildings under construction cannot be insured under this policy either. However, renovations and extensions to existing buildings can be covered with restricted cover as part of this home insurance.
Deliberate actions by you or other residents: You are not covered for deliberate damage or theft by other people living at the premises or people on the premises with your permission.
Activities or events that legally require you to hold insurance: You are not covered for events or activities on the premises that legally require you or your family to hold insurance.
If you will be going away, even for less than 90 consecutive days, you are obligated to make sure the home looks lived in and make arrangements to:
Keep the lawns mowed and garden tidy
Stop regular mail and newspaper deliveries
Arrange for someone to check inside and outside your home at least once a week
If another party has a financial interest in the home, such as if someone else is a part-owner or you have a mortgage, then you need to name this other party on your application.
How much does it cost?
The cost of your policy comes in two parts:
The premium: This is the regular, ongoing cost of maintaining your cover.
The excess: This is a contribution you may need to make towards certain types of claims before Kogan will cover it.
Your premiums are determined by factors including:
The cover you choose
The property and site you want to insure
The limits and the excess that will apply
Your previous insurance and claims history
Your excess may vary depending on the situation and your cover, and will be shown on your policy document. Depending on the type of claim, you might have to pay different excesses, or no excess at all.
This type of variation in excess payments is typical for home insurance policies.
How do I make a claim?
Before making a claim you should:
Secure your home and take reasonable steps to prevent further damage
Report the incident to police if applicable
Call the Kogan claims team on 1300 034 888 and report the incident
Do not admit any guilt, liability or fault, except to police, and do not offer to negotiate or settle with any other parties, or consent to any repairs without approval from Kogan, except for the purposes of minimising further damage.
Is Kogan home insurance right for me?
Everyone’s situation is different, so only you can determine whether Kogan home insurance is the right choice for you, but you might want to consider a few things in particular.
Do you frequently travel? Under this policy, your home is still covered after being unoccupied for up to 90 days. After this, it’s still covered for earthquake and lightning damage. Many other policies will only cover unoccupancy for up to 60 consecutive days, after which cover will run out entirely. Kogan home insurance might be a competitive choice for people who travel for long periods of time. This is balanced by the need to have someone come and check on your home at least once a week. Not all policies have this strict requirement.
No cover for activities that legally require insurance. This is an uncommon policy exclusion, which may be worth noting.
Are you also getting contents insurance? You can get a considerable policy discount of up to 20% off premiums by purchasing Kogan home and contents insurance online. It’s also worth noting that Top cover might not be worth it for home insurance alone, but is more likely to be value for money if you’re also getting contents insurance, and might add more potentially useful benefits.
Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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