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
Kogan only comes with the following landlord cover add-on:
Electric motor burnout
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
Deliberate damage by you or other people invited to your home
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.
Kogan has recently changed underwriters to QBE Insurance (Australia) Limited. Most recent data compares complaints while still being underwritten by The Hollard Insurance Company Pty Ltd.
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
Kogan is a good landlord insurer if you're on the lookout for a popular insurer and you want money off when you shop at Kogan. Kogan is a good option if you're looking for a reputable underwriter (QBE), and you like kickbacks when you shop online.
If you're not yet ready to buy, you can compare other landlord insurance policies side-by-side here.
FAQs about Kogan landlord insurance
Most properties in Australian states will be eligible for a landlord insurance policy with Kogan, however there are always exclusions. Kogan also covers, short term rentals, holiday homes and granny flats. It should be kept in good repair and be reasonably protected from loss or damage. It also must comply with local government and statutory requirements, be used primarily for domestic purposes and unlikely to be unoccupied for more than 90 consecutive days. It should not be:
Used for holiday letting, temporary sharing or house-sitting arrangements
Under construction or major repair
With landlord insurance, you are also covered for:
Malicious damage or theft by tenants.
Debris removal. Reasonable costs for necessary debris removal or demolitions following an insured event.
Loss of rent following damage. Up to the lesser of either 24 months of rent or 20% of sum insured for building and 20% of sum insured or $25,000 for contents, if tenants can no longer safely reside in the property following an insured event.
Open air contents. For property kept outside, such as barbecues and garden furniture.
Before making a claim you should:
Secure your property 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.
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.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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