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We compared over 40 home insurance brands. None offered higher limits for legal liability, temporary accommodation, or lock replacement than Kogan
Insurance customers get a $10 off a purchase over $100 on Kogan.com, every month
Cons
If you're looking for a budget policy, there are cheaper alternatives available
There's no option to remove flood cover from your policy to lower your premium
Standard cover for jewellery is quite low, with a limit of $2,500 unless you specify higher
Congratulations, Kogan!
Kogan is also Highly Commended this year for its strong benefits and generous limits at its price point. Due to having the same underwriter as Australia Post and QBE, it also has high benefit limits for for legal liability, lock replacements, and temporary accomodation.
Highly Commended, Best Comprehensive Home & Contents Insurance
How does Kogan compare with other popular providers?
Kogan is a mid-priced home insurance policy with some strong benefits and generous limits - we couldn't find a brand that offered higher cover for legal liability, temporary accommodation, or lock replacement.
However, Kogan offers no cover for guest contents, while some brands - including Westpac, NAB and Bendigo - all cover up to $5,000. Limits on jewellery are also low at $2,500 compared to the $7,500 offered by Allianz, St George and QBE.
Price
Kogan is a mid-priced home insurer, with Finder cost data showing the average policy price is $1,862 - about 10% cheaper than the national average. Remember, your quote may look different as pricing is highly dependent on specific situations.
Each month, we get crunching on most every home insurance product in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster.
Kogan offers some optional benefits to further customise your policy, including:
Accidental damage - Covers accidental damage to your building, contents, or both. For example, your child knocks over and breaks a valuable vase.
Specified contents - If you have high-value items that won't be covered by the standard limit, you can specify the item and its value to Kogan, and request for it to be insured.
Kogan home insurance claims process
Kogan home insurance is provided by QBE. You can lodge a claim online, via the QBE website. You'll need your policy number, details of what happened, and information on who was involved.
You can also call Kogan on 1300 034 888 or email Kogan at enquires@koganinsurance.com.au for more information about the Kogan home insurance claims process.
Kogan home insurance complaints information
Kogan home insurance is provided by QBE. In the last financial year, The Australian Financial Complaints Authority (AFCA) received 927 complaints in relation to Kogan's home and contents insurance, 291 of which were resolved at registration and referral, 629 progressed to case management and 540 of those were closed at case management.
Why you can trust Finder's home insurance experts
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You save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio
Nicola's expertise
Nicola has written 245 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching home insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
How do i get a price for home and contents Insurance from Kogan?
Hello Patricia,
Thank you for your inquiry.
You can visit Kogan Insurance website and look for the “Home Insurance” and “Content Insurance” tabs. Afterwards, click “GET AN EXPRESS QUOTE” button.
Hope this helps.
Cheers,
Jonathan