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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.
  • While you're signed up, you can get $10 off purchases over $100 (on Kogan.com) once a month.
  • Its 12% online discount is a little less than what other brands are offering, and is available for the first year only.

Review by our insurance and innovations editor Gary Ross Hunter

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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 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

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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

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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.

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

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.

Written by

Gary Ross Hunter

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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

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