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When considering the sum insured for your buildings, this amount should cover the full cost to rebuild your home including the cost of fixtures such as carports, fences and inground pools. It should also include costs such as demolition and clearing debris from the land in the event of a total loss, however, the buildings [...]
No, we do not need to know the exact measurements of your home. Some examples of the things we need to know about your home are: The address and age of the building The construction materials your external walls and roof are made from (for example, brick veneer, double brick, timber, cement tiles) Property details [...]
Kogan Insurance lets you choose your own sum insured for your buildings insurance. This way, you can choose the amount you’ll need to replace your buildings if you suffer a total loss. By nominating an adequate amount, you may become eligible for the Buildings Sum Insured Safeguard benefit. With this benefit, if you need to [...]
You can use a Contents Calculator to help determine an estimated replacement cost for your contents. Your contents sum insured should include the cost to replace items such as your carpet, blinds, curtains, personal items, furniture and household goods. Items of value which can be individually listed on your Certificate of Insurance such as jewellery or artworks [...]
Certain contents items such as jewellery and watches, collections and artworks, rugs and antiques have standard policy limits.. If the limit is not enough to cover the repair or replacement of a particular item you will need to tell us and if we agree to increase the limit, these will be listed on your Certificate [...]
There are policy limits on certain contents items so if they are not listed on your Certificate of Insurance, they may be subject to the limit as stated in our Contents Insurance Combined Financial Services Guide and Product Disclosure Statement.
We like to provide you with the flexibility to change your cover, therefore, if your change is agreed to, you can update your cover during the period of insurance. Please call 1300 034 888 as soon as reasonably possible as changes to your cover will be effective from the time you tell us of this [...]
For an additional premium we offer cover for accidental damage as an optional benefit to Home Insurance. Your cover will depend on whether you've chosen insurance for your buildings, contents or both.. So, if you choose the Accidental Damage option, you have contents cover and you accidentally spill paint on your carpet or you have buildings [...]
Cover is provided for your personal belongings inside the home for insured events such as theft, fire and storm. If you have the Accidental Damage option and your mobile phone was accidentally damaged inside the home then this can also be covered. If your phone was stolen from the home, you would need to provide a Police [...]
If you have buildings cover, fences are protected against insured events such as fire, collision and a falling tree or branch. However, some limits, conditions and exclusions can apply, for example, damage caused by storm, storm surge, rain, hail or flood if the fences were in a poor or damaged condition before the incident, or [...]
