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Kogan home insurance review

Kogan home insurance could be good if you want a policy that’s underwritten by a big insurer but also comes with perks.

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Get 16% off on your first year's premium.

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Discounts can vary, check out the terms and conditions.

Our Verdict

  • You get lots of benefits, including $10 off purchases over $100, once a month.
  • Kogan home insurance is issued by QBE Insurance (Australia) Limited, one of Australia's biggest insurers. It means you're in trusted hands but your policy is similar to other QBE insurance products.
  • Its 16% discount isn't market-leading – Budget Direct, St.George and Westpac all offer more.

16% off on your premium for the first year + $10 credit

Expires 1 Jun 2024
Sign up online and get 16% off your policy for the first year plus $10 ongoing monthly credit. T&Cs apply.

Kogan Home Insurance cover options

1 - 3 of 3
Name Product Building Cover Contents Cover Fire, Storm & Theft Damage Sum Insured Safeguard Online Discount Cheapest way to pay
Kogan Home & Contents Insurance
Our verdict: Good comprehensive cover (issued by QBE). Also, get 16% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
Kogan Home Insurance
Our verdict: Good comprehensive cover (issued by QBE). Also, get a 6% discount off your first year plus $10 ongoing monthly credit. T&Cs apply.
Kogan Contents Insurance
Our verdict: Good comprehensive cover (issued by QBE). Also, get a 6% discount off your first year plus $10 ongoing monthly credit. T&Cs apply.

Congratulations, Kogan!

Kogan received the highly commended award for 'Home Insurance - Comprehensive' in the 2024 Product Awards.

Full list of 2024 winners

What does Kogan home insurance cover?

You can choose from combined home and contents, contents only, and landlord insurance.

Here are some of the main events a Kogan home insurance policy can cover you for.

Kogan home insurance comes with a 21-day cooling off period which is the standard among most insurers. This means you can cancel within 21 days of taking out a policy and you won't be charged, so long as you don't make a claim. Like all insurers, you'll also need to pay at least one excess when you submit a claim.

An overview of Kogan home insurance features

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Standard features

If an insured event like a storm, fire or theft occurs, a Kogan home insurance policy can help reimburse you for:
  • Temporary dog and cat accommodation
  • Replacement of locks
  • Discharge of mortgage costs
  • Emergency accommodation
  • Environmental upgrade
  • Monitored alarm attendance

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Optional add-ons

Kogan doesn't offer an extensive range of optional add-ons, just the basics. These are benefits you can pay extra for. They include:
  • Accidental damage
  • Portable valuables
  • Rent default (landlords only)

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Kogan's general exclusions are similar to other insurers. Here are some of the main events you won't be covered for:

  • Action of the sea
  • Bushfire, storm, rainwater or flood within 72 hours of taking out cover
  • Gradual deterioration
  • Home unoccupied for longer than 90 consecutive days
  • Inherent defects or maintenance failures
  • Any earth movement except as otherwise covered
  • Tree roots
  • Cleaning with heat or chemicals

Make sure you read Kogan's PDS for a full list of exclusions. You can also find out more about what home insurance doesn't cover here.

Wondering about Kogan's home insurance complaints?

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July 2022 and June 2023. The data breaks down different underwriters and compares their business size to the number of complaints processed.

When comparing insurers, keep in mind that insurers with a larger market share serve more customers, so can potentially get more complaints.

Here's an overview of how Kogan's underwriter, QBE, did:

  • It received significantly fewer complaints compared to other insurers of its size
  • QBE has a fairly low rate of resolving its complaints directly with its customers compared to Hollard and Insurance Australia Limited.

Bottom line about Kogan home insurance

Kogan home insurance is good if you want an insurer that's underwritten by a big insurer like QBE but comes with perks.

If you're not yet ready to take out a policy, you can compare other home insurance policies side-by-side here.

Why you can trust Finder's home insurance experts


We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about Kogan home insurance

A note on Kogan home insurance reviews

If you've held or currently hold a Kogan home insurance policy, we'd love to hear from you. Your reviews help other Australians decide if Kogan is right for them. Some reviews are from a survey commissioned by Finder.

More guides on Finder

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2 Responses

    Default Gravatar
    PatriciaAugust 4, 2017

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

      Default Gravatar
      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.


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