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Kogan Insurance Home & Contents Insurance

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Important information on terms, conditions and sub-limits
Fire
Yes
Theft or burglary
Yes
Flood
Yes
Storm
Yes
Building cover
Contents cover
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Mozo editorial review Kogan Insurance Home & Contents Insurance - last updated: 18 December 2023

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What's hot
  • 22% off combined buildings and contents (T&Cs apply)
  • Up to $30 million legal liability cover
  • Up to 30% buildings sum insured safeguard benefit
  • Risk mitigation discount for Queensland
  • Security upgrades after burglary up to $500
  • Contents covered for up to 60 days at both new and old home during relocation
  • 2023 Mozo Experts Choice Award winner
What's not
  • No cover for wear, tear, rust, corrosion, etc.
  • No cover for damage/loss or injury due to construction work
  • Damage caused by action of the sea
Mozo snapshot

Are you looking for a home insurance that can take care of your home as well as the contents in it? Well, then Kogan home and contents insurance policy might just be the one for you. It covers you against damage or loss caused by storm, fire, theft, flood, and provides  emergency temporary repairs. In fact, Kogan also guarantees home repairs that are done by its repairers. If you have the contents cover in place, Kogan will cover damage to your contents at both your current and new place of residence, from the day you start moving up to 60 days. As an added bonus, Kogan Insurance has been recognised as a multi-award winner of the 2023 Mozo Experts Choice Award.

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Key features

Kogan home and contents insurance offers a lot of features to choose from. Some of the key ones are listed below: 

  • 60 days contents cover when relocating to a new house 

  • Damage cover due to government emergency services

  • Environmental upgrades for both contents and buildings

  • Improved security available in contents cover for up to $500 incase of a burglary. 

  • Spoiled food or medicine (that require refrigeration) will be paid off under contents cover incase of power failure but only once per period of insurance. 

Other than these, there are a range of excess options for you as an insurance holder to choose from. Plus, $10 monthly Kogan.com credit for every month for policy is active. T&Cs apply.

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Who is it good for

Kogan home and contents insurance is specifically designed for home owners who live in the same property, to cover both their house and the contents within.

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Any catches

You will need to upgrade in case you want to add accidental damage cover or portable contents cover. 

Also, as is the case with most of the home insurance policies generally, your policy might be voided if you start a business in your home. So as a policy holder, be sure to check and mention if there is any change/addition to your property. Forgetting to mention this can lead to your policy getting cancelled. 

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Krutika Kale
Money writer

Details

Cover information and limits in the table below correct as at 21 February 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Policy and service features

n/a

Optional Extra - up to 30% of building sum insured

Yes

750

true

no

Save 22% on new combined online buildings and contents insurance. $5 Kogan.com credit when a quote is completed. Plus, $10 monthly Kogan.com credit for every month for policy is active.

No

Optional Extra

Yes

Optional Extra - up to $30,000,000

n/a

Additional excess applies to claims after 90 days of the property address being unoccupied without prior notification.

Events

Optional Extra

Yes

Yes

Yes

Yes

Yes

Yes

Yes - up to 10 years old

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Buildings

Yes - environmental upgrades up to $2,500

Up to $2,000

No

Yes

Contents

Up to $800

No

Up to $1,000 combined with software

Up to $1,000 software, combined with lost data

Yes

Yes

Up to $20,000 per item, set or pair, with option to increase limit

Up to $20,000 per item, set or pair, with option to increase limit

Up to $2,500 per item, set or pair, with option to increase limit

Up to $800

Up to $800 (conditions apply)

No

Yes

Up to $5,000

No

Yes

Other cover

No

No

Up to $2,500

Yes - up to 24 months or 20% of buildings sum insured

Yes - up to 24 months or 20% of buildings sum insured

Yes - up to 24 months or 20% of contents sum insured

Yes

Yes

Yes

Up to 60 days

Yes

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

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