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Landlords can find a full range of protection with Kogan Insurance, covering their investment property, their belongings in that rental property, and against tenant default and other situations.
With Kogan's landlord insurance products, you are able to purchase home insurance, contents cover and additional benefits.
With Kogan landlord insurance, you can claim for damage to your rental property following an insured event.
Insured event | What’s covered | What’s not covered |
---|---|---|
Malicious damage or theft | Damage to your home or theft of insured items. When a tenant is responsible for the theft or malicious damage, you are only covered in line with the “tenant malicious damage and theft” addition | Theft or damage caused by people living at the address |
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 |
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, basins and other permanent glass fixtures | 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. For example, a landslide that occurs more than 72 hours after an earthquake, even if caused by an earthquake |
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, unless excluded by your policy | Damage that occurs more than 72 hours of rioting or civil commotion |
With landlord insurance, you are also covered for:
You can also add the following cover types at the cost of higher premiums.
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:
You are also required to meet other obligations. As a landlord, you or your agent must complete a detailed property inspection/condition report:
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.
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.
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