Kogan Landlord Insurance Review

One of the main draws of Kogan Landlord insurance is that it comes with rewards and credit to spend on Kogan.com.

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Our Verdict

  • Kogan landlord insurance is issued by The Hollard Insurance Company, a common underwriter in Australia. One of the main differences to other policies issued by Hollard is you also get $50 Kogan.com credit.
  • You get access to bonus rewards and offers if you sign up to Kogan landlord insurance as a Kogan First member.
  • Its 15% online discount is generous, though similar to other competitors including Budget Direct, Domain and Australian Seniors.

Review by our insurance writer Gary Hunter

warningSome landlord insurance policies have temporarily removed benefits such as rent default and a few others because of the pandemic. Make sure to check this with the insurer before deciding on a policy.
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What does Kogan landlord insurance cover?

You can choose from three levels of landlord cover with Kogan landlord insurance: building insurance, contents insurance, and combined building and contents insurance.

Here's some of the main insured events a Kogan landlord insurance policy can cover you for:

Kogan landlord insurance is underwritten by Hollard. It has a 14-day cooling off period which is slightly lower than industry standards and you'll need to pay an excess when you make a claim.

Kogan landlord insurance features

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Standard features

We've highlighted some of the features that Kogan will cover you for if you make a claim for an insured event like a fire, storm or theft.
  • Damage from a wide range of natural disasters
  • Theft or malicious damage to your rental property and its contents
  • Impact damage, including fallen trees
  • Contents outside of the house but still on your property, such as outdoor furniture and BBQs

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Optional add-ons

Kogan only comes with the following landlord cover add-ons:
  • Rent default and legal expenses
  • Electric motor burnout

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Exclusions

Kogan's general exclusions are similar to other insurers. Here's some of the main events you won't be covered for:
  • Bushfires, storm, rainwater or flood damage that happens within 72 hours of buying your policy
  • Damage to a home that has been unoccupied for more than 60 days
  • General wear and tear
  • Damage from vermin, insects, birds and wildlife
  • Earth movements like erosion, landslides and mudslides
  • Mould
  • Deliberate damage by you or other people invited to your home
  • Tree roots

For a full list of exclusions, make sure you read Kogan's PDS.

Kogan landlord insurance complaints

We looked at home insurance complaint data from the Australian Financial Complaints Authority (AFCA) between July to December 2020. 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 (which is underwritten by Hollard) did. It includes other brands underwritten by Hollard so keep in mind that the total number of complaints is not necessarily all for Kogan:

Here are some things we noticed about Kogan and their underwriter:

  • Hollard resolved a high percentage of its complaints directly with its customers and did not have to escalate them to AFCA which tends to make the process longer.
  • Hollard has one of the highest number of complaints compared to other similar-sized companies.

Bottom line about Kogan landlord insurance

Koganis a good landlord insurer if you're on the lookout for a popular insurer and you want money off when you shop at Kogan. However, its underwriter Hollard had a poor complaints record for the period we looked at and you can get similar discounts elsewhere.

If you're not yet ready to buy, you can compare other landlord insurance policies side-by-side here.

FAQs about Kogan landlord insurance

Kogan landlord insurance reviews

If you've held or currently hold a Kogan landlord 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.

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