Who is eligible for a Kogan landlord insurance policy?

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

What additional benefits are there?

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.

How do I make a claim with Kogan landlord insurance?

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 Review

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Kogan offers $10 off monthly for purchases over $100 on Kogan.com.
Kogan landlord insurance offers building contents or combined cover, underwritten by Allianz.
In 2024-2025, Kogan had a 27.3% AFCA referral resolution rate for building complaints.

Our Verdict

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.

Pros

Kogan landlord insurance is issued by The Hollard Insurance Company, a common underwriter in Australia.
While you're signed up, you can get $10 off purchases over $100 (on Kogan.com) once a month.

Cons

Its 12% online discount is a little less than what other brands are offering, and is available for the first year only.

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:

fire icon

Fires

thunderstorm icon

Storms

broken window icon

Breakage of glass

explosion icon

Explosion

broken house icon

Earthquake

Kogan landlord insurance is underwritten by QBE. It has a 21-day cooling off period which is the standard among most insurers and you'll need to pay an excess when you make a claim.

Kogan landlord insurance features

Standard features
Optional add-ons
Exclusions

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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-on:

Electric motor burnout

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

In the 2024-2025 financial year, AFCA received a total of 765 complaints about Kogan's home insurance product. 205 of those were resolved at the registration and referral stage, giving Kogan a referral resolution rate of 27.3%.

Comparison of complaint data from major home insurers.

Home insurance complaints - Kogan landlord · dw:VNh8D
Underwriter	Provider	Complaints received (building)	Complaints resolved at registration & referral (building)	Referral resolution rate	Complaints received (contents)	Complaints resolved at registration & referral (contents)	Referral resolution rate
Allianz Australia Insurance Limited	Kogan	765	205	27.3%	138	42	32.06%
Insurance Australia Limited	NRMA	932	412	42.08%	240	123	50.83%
AAI Limited	AAMI	1,584	838	51.82%	384	204	56.20%
QBE Insurance (Australia) Limited	QBE	680	214	31.66%	58	19	32.76%

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.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

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Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise

Gary Ross has written 520 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
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One of the main draws of Kogan Landlord insurance is that it comes with rewards and credit to spend on Kogan.com.