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 rebuild your home after a total loss, cover can be provided up to 30% more than your nominated buildings sum insured. Your Certificate of Insurance will confirm if your policy includes the benefit.