Kogan Home Insurance

Up to 10% OFF⁼
Plus, $100 FREE Kogan.com Credit^x

when you buy a new policy online^x

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Building Insurance

Buildings insurance is designed to insure the physical structures and fixtures that make up your home buildings: from the house itself, to your garage, fences and paved driveways – even built-in appliances like hot water systems, air-conditioners and more.

Be covered if an unexpected event, such as a fire, theft or storm damages or destroys your most important asset, your home.

Why Choose Kogan Building Insurance?

FREE $100 Kogan.com Credit when you buy a home insurance policy⁼
Up to 10% off your first year’s premium when you buy a new home insurance policy online^x
You may qualify for up to 30% No Claim Bonus
Option to increase your excess which may reduce your premium
Pay by the month at no extra cost
Claim online or call 1300 034 888 for claims service 24 hours, 7 days a week

Building insurance quote

What’s Covered?

Rebuilding professional fees
If you need to rebuild your home after total loss or damage, [Allianz/Partner Product Name] will help pay the reasonable costs of architects, engineers, surveyors, and solicitors up to $5,000.
Cover for the unexpected
Cover for out of the ordinary but devastating events such as fire including bushfire and grassfire, earthquake and burglary.
Cover for storm damage
Covers loss or damage by storm, cyclone or rainwater but this does not include run-off.
Cover for flood and/or run-off
Covers loss or damage cause by flood, run-off, flood water combined with run-off and/or rainwater.
Making your buildings environmentally friendly
If your buildings are totally destroyed and needs to be rebuilt, in addition to your buildings sum insured, [Allianz/Partner Product Name] will pay $5,000 (after deduction of any government or council rebates) to help you make the new buildings more environmentally friendly.
Alternative accommodation for you and your pets
If your Buildings are damaged by an insured event during the period of insurance to such an extent that you can’t live in your home buildings, Kogan Insurance will pay the additional costs for temporary accommodation based on your building’s rentable value prior to the damage, up to for you up to 10% of the building sum insured and up to $500 for temporary accommodation for your pets in a commercial boarding establishment. This benefit applies up to a maximum of 12 months
Replacement locks
Cover the cost, up to $1,000, to replace the locks or cylinders of any external door or window following an actual or attempted theft or burglary if the key is stolen.
Vandalism or malicious damage
Cover you for loss or damage caused by vandalism or a malicious act.
Debris removal
In addition to your buildings sum insured, [Allianz/Partner Product Name] will pay up to 10% of your building sum insured for the removal of debris from the damaged or destroyed part of the buildings.
Legal liability
Cover your legal liability up to $20 million for payment of compensation relating to death, bodily injury or illness, and/or physical loss of or damage to property caused by an accident (or series of accidents).
24/7 claims assistance
When you need to make a claim, Allianz are there for you with 24-hour claims lodgement available online, or you can call the claims team to commence the claims process over the phone.

Building insurance quote

Optional Extras:

Apply to add any of these optional covers for an additional premium and greater cover.

Optional cover – Accidental damage
The accidental damage cover option helps insure you in the event of accidental unexpected mishaps that are caused unintentionally – giving you greater coverage for your home building.
Optional cover – Motor burnout
The Motor burnout option covers you if an electrical current damages your household electrical motors that are less than 10 years old. This cover is automatically included if you have taken optional Accidental Damage cover
Optional cover – Domestic workers’ compensation cover
Cover for a domestic worker (e.g. gardener or cleaner), if they are injured while working for you at the insured address. Only available in ACT, WA and TAS.

Read the Kogan Buildings Insurance Combined Financial Services Guide and Product Disclosure Statement for full details including limits, exclusions and conditions that apply.

Make a claim

Got a question?

Call

1300 034 888

Product Disclosure Statements

Kogan Home, Kogan Contents & Kogan Landlord Insurance Combined Financial Services Guide and Product Disclosure Statement

Resources

The Kogan Insurance difference

Purchasing a policy benefits

Up to 10% OFF when you buy a new policy online! Plus, $100 FREE Kogan.com Credit. Find out more.

Insured for Every Event

Cover for loss of damage for 12 insured events, including fire, storm, theft, and flood.

Partnered with Allianz

We’ve partnered with Allianz, one of the world’s leading insurers, who have been protecting Australians for over 40 years.

$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.^ Find out more.

Claim online anytime

Make a claim online 24/7, or if you prefer to speak to someone, call 1300 034 888.
Find out more

Need help deciding?

Optional cover

Get wider coverage to suit your lifestyle with our optional cover.

Learn more

Landlord Insurance FAQs

The best way to find quick answers to commonly asked questions.

View FAQs

Estimate Calculator

Calculator to be used as a guide to estimate your sum insured.

Calculator

Did you buy car, home or landlords insurance before 1 June 2025?

If you purchased a Kogan policy prior to the 1 June 2025 that is underwritten by our previous underwriter QBE Insurance, you can find more information on our Information page.

Terms & Conditions2025-05-09T13:57:09+10:00

Terms & Conditions

ₓ$100 Kogan.com Credit offer (“Offer”): Valid for all Kogan Car, Home & Landlord Insurance policies (“Relevant Policies”), excluding Third Party Property Insurance policyholders. The Offer is only valid for new Relevant Policies (not renewal or reinstatement policies). This is a limited time offer and will expire 11.59pm AEST 30 June 2025. See full T&Cs here.

^{^}As a Kogan Insurance customer, get $10 Kogan.com Credit, once a month on a Kogan.com purchase of $100 or more. See full T&Cs here.

¹Online Discount:
Home – when you both quote and buy a new home insurance policy online a discount of up to 10% is applied to your first year’s premium. This discount is not applied to Domestic workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.
Landlord – When you both quote and buy a new Landlord insurance policy online a premium discount of up to 10% is applied to your first year’s premium. This discount is not applied to Landlord workers’ compensation (if available and selected), or upon renewal. Minimum premiums may apply.

²Combined Discount – discount of up to 10% is applied to your premium when you combine Buildings and Contents on one Home and Contents Insurance policy, including the optional covers (if selected): Motor Burnout and Accidental Damage cover. The combined discount doesn’t apply to any flood component of the premium (where covered) or to the optional covers Portable contents (if selected) and Domestic workers’ compensation (if available and selected). Minimum premiums may apply.

³No Claims Bonus – when you take out a new policy, we calculate your No Claims Bonus (NCB) based on your home or landlord (as applicable) insurance claims history. To qualify for the maximum No Claim Bonus of up to 30%, home insurance customers must have had no Building or Contents insurance claims in the preceding 5 years. Landlord customers must have had no Landlord insurance claims in the preceding 3 years. However, customers who have had claims may still qualify for a reduced No Claim Bonus. We won’t apply the full percentage of the No Claim Bonus if it results in you paying less than the minimum premium.

Home: The No Claim Bonus isn’t applied to the flood component of the premium (if covered) or Domestic workers’ compensation (if available and selected) or Portable contents (if selected).
Landlord: The No Claim Bonus isn’t applied to the flood component of the premium (if covered), or Landlord workers’ compensation (if available and selected).

⁴Minimum Premiums – Where discounts are applied, your premium is subject to rounding. If more than one discount applies, they’re applied in a predetermined order, so the later discounts apply to the amount already reduced by the earlier discounts instead of the total amount. Discounts do not apply to government taxes and charges. Most discounts won’t apply below the minimum amount payable for the policy.

⁵Option to change your excess:
Home: Not available with respect to any additional compulsory excess, any imposed excess applied to the policy, or to the Portable contents excess (if Portable Contents is selected). Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to the optional covers Portable contents (if selected) and Domestic Workers’ compensation (if available and selected). Minimum premiums may apply.
Landlord: Not available with respect to any additional compulsory excess, or to any imposed excess applied to the policy. Any reduction in premium won’t be applied to government taxes and charges, any flood component of the premium (where covered), or to Landlord’s workers compensation (if available and selected) and the Theft by Tenant part of the optional cover Rent Default and Theft by Tenant (if selected). Minimum premiums may apply.

⁶Instalment premiums – If you choose to pay your premium by instalments, you do not pay us any more than if you pay your premium in one lump sum annually. The premiums payable by instalments may be subject to minor adjustments (upwards or downwards) due to rounding. Note: Your financial institution may apply transaction fees to instalment payments.

⁷72 Hour exclusion period – We may not provide cover for any loss of or damage to your property caused by cyclone, flood, flood water combined with run-off and/or rainwater, grassfires and bushfires during the first 72 hours after you first purchase a policy or increase your cover under an existing policy. Refer to PDS for when exclusion periods apply.

⁸Earthquake excess – An additional imposed excess amount of $250 applies for each claim or loss or damage caused by an earthquake or tsunami, or a series of earthquake or tsunamis, during any period of 48 consecutive hours.