
Get exclusive money-saving offers and guides
Straight to your inbox
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Kogan can help cover your property with a range of insurance options. Homeowners might want to take out both home and contents cover to enjoy a discount, while renters might want to take a look at contents only cover, and landlords might wish to add Kogan landlord insurance.
With a focus on affordability and flexible cover options, Kogan might be a cost-effective way to get the right home insurance.
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.
Insured event | What’s covered | 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 |
Lightning | 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. |
Impact | 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 |
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.
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.
Additional cover | What it does | Essentials | Top |
---|---|---|---|
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 |
|
|
Funeral expenses | A contribution towards funeral expenses if someone who was living at the property dies as the result of an insured event |
|
|
Emergency accommodation | 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 |
|
|
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:
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:
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.
The cost of your policy comes in two parts:
Your premiums are determined by factors including:
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.
Before making a claim you should:
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.
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.
What exactly are body corporate fees and what do your quarterly fees go towards?
This flexible variable rate home loan offer from a digital lender is suitable for both home buyers and investors.
Check out this flexible fixed rate offer from a digital lender. Rates for home buyers and investors.
We talk you through how to get home office insurance.
How to find safe, secure and affordable boat storage near you.
How to find the best car storage facility to keep your set of wheels safe and secure.
How home insurance can cover you for food spoilage and save you hundreds on wasted food.Â
Want hearing aid insurance? Home insurance is the answer.
All home insurance policies have a common list of covered events. These insured events include things like fire, storm and theft.
How to compare gold storage options and find a secure solution that works for you.
How do i get a price for home and contents Insurance from Kogan?
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