We can only provide general advice about your home and contents insurance; we can’t provide you with advice about the replacement cost of your home. When considering the sum insured for your home insurance, this amount should cover the full cost to rebuild your home including the cost of structural improvements such as carports, fences [...]

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 type and roofing materials (for example, brick, cladding, tile) The security measures in the home (for example, alarms and deadlocks)

Kogan Insurance lets you choose your own sum insured for your home and contents insurance. This way, you have peace of mind knowing that you are covered for the amount you think you’ll need if you suffer a total loss of your home. There is no advantage in being over-insured and paying a higher premium [...]

We strongly recommend the use of a Contents Calculator to determine an appropriate sum for your needs. We are unable to provide you advice on an appropriate sum and rely on you to assess the amount of coverage you require. Your contents sum insured should include items such as your carpet, blinds, curtains, personal items, furniture and household goods. [...]

Certain items such as valuables, collectibles and media have limits of cover inside the home. If you would like to be covered for the full amount you will need to tell us and list these on your Certificate of Insurance. You will need to provide proof of the value of the item at the time [...]

There are policy limits to certain items so if they are not listed on your policy for the full value, they may be subject to the limit as stated in our Product Disclosure Statement.

We like to provide you with the flexibility to change your cover to suit your changing needs, therefore, we offer the option to update your cover during the policy period. Please speak to us immediately as changes to your cover will be effective from the time you tell us of this change.

We understand that accidents sometimes happen. This is why we offer cover for accidental damage as part of our Top Cover home and contents insurance. So, if you accidentally spill paint on your carpet or break a chair accidentally, you would be covered. See our Product Disclosure Statements for more information on what is covered by, and excluded [...]

If you have Top Cover and your mobile phone was accidentally damaged inside the home then it would be covered. If your phone was stolen from the home, you would need to provide a Police Event No. In both instances, your basic excess would apply.