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Top Contents Insurance covers your valuables from a huge range of events, from common accidents to natural disasters.

What’s Covered

  • Accidental and unintentional damage caused to belongings
  • Theft and malicious damage
  • An extensive range of natural disasters
  • New for old replacement on most items if they’re damaged or stolen
  • Transit cover for contents while they’re being moved against loss or damage caused by fire, collision or overturning of the vehicle carrying them
  • Damages caused by sudden, unexpected or accidental escape of liquids, such as sudden bursting of pipes
  • Belongings in your home office – no separate policy required (higher cover limits apply)

Please note: this is a summary of our Top Contents Insurance policy. Make sure to read our Product Disclosure Statement for full details.

The Kogan Home & Contents Insurance Difference

  • Exclusive online discounts – Insurance made simple! Save up to 20% when you buy online.1
  • Earn $50 Kogan.com Credit – with Home & Contents policies, to spend at Australia’s #1 online retailer!+
  • $10 off Kogan.com every month – Active Kogan Insurance policyholders receive $10 off a purchase of $100 or more at Kogan.com once a month.^
  • Kogan First Benefits – Bonus rewards when you sign up to Kogan Insurance as a Kogan First member! Click for details.
  • 14-day Money Back Guarantee – Risk-free sign up! We’re confident you’ll love your coverage, but in case you don’t we have a 14-day money back guarantee.
  • Super Friendly Claims Process – Your claim, your way! Claim online 24/7, or call us to speak to our friendly team.

1.Up to 20% discount consists of 2 parts, 10% for online purchases, applicable first year only. 10% discount for a combined Home & Contents policy, applies for the life of a combined policy. New policies only. Minimum premiums may reduce savings discount.

+$50 Kogan.com Credit offer (“Offer”): Valid for Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, and combined Landlords Building & Contents Insurance. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies). Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. The $50 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the Relevant Policy, provided the annual premium or the first instalment premium for the Relevant Policy has been paid in full. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 45 day period. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant product disclosure statement when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash.

Monthly $10 Kogan.com credit offer valid on a single purchase of $100 or more (excluding shipping). Offer applies to all active Kogan Insurance policies, excluding Kogan Travel Insurance policies (“Relevant Policy”), after 30 days from the commencement date of the Relevant Policy. Credit will be issued by Kogan.com via email, in the first week of every month to all eligible policyholders. Credit will expire 30 days from date of issuance. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free. You will be sent an email from Kogan.com to create an account so you can claim your Kogan.com credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer.

$50 Kogan.com Kogan First Credit offer (“Offer”): To be eligible you must purchase a Kogan Pet Insurance, Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, or combined Landlords Building & Contents Insurance policy (“Relevant Policy”) and be a Kogan First member at the time of purchasing the insurance policy. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies). The Offer is only available to Kogan First members who hold a current Relevant Policy at the time the Credit is applied, and have held the Relevant Policy and been Kogan First members for at least 45 days at the time the Credit is applied (“Qualifying Period”). The $50 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the Relevant Policy, provided the annual premium or the first instalment premium for the Relevant Policy has been paid in full. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 45-day period. Limit of one $50 Kogan.com credit per eligible policy type for each Kogan First membership. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant product disclosure statement when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. If the Kogan First program is discontinued or your membership is cancelled or terminated (see Kogan First terms and conditions here), you will not receive Credits. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer.

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