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:
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.
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
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
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.
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.
Gary Ross Hunter was 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 bio
Gary Ross's expertise
Gary Ross has written 649 Finder guides across topics including:
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