Can I Add Someone to My KOHO Standard Tenant Coverage?
Hey KOHO fam! 👋
Short answer: no — but you may not need to.
Here’s how Standard Tenant Insurance works, who is already covered, and what to do if your landlord requires names on the policy.
👤 Can I Add Another Certificate Holder?
Standard Tenant Insurance allows one named certificate holder only.
You cannot manually add a second name (such as a spouse or relative) to the certificate.
However, coverage often extends further than what appears on the certificate.
✅ Who Is Automatically Covered?
Even though only one name appears on the certificate, the policy automatically covers certain household members when they live with you.
This includes:
- Your spouse or common-law partner
- Relatives living in the unit
- Dependent children
These individuals are insured under the policy without being listed by name.
📄 Where Is This Defined in the Policy?
Who is covered under your Standard Tenant Insurance is defined directly in the policy wording, not just on the certificate.
You’ll find this information in:
- Policy Section: Definitions
- Definition: Certificateholder
- Policy Document: Residents Liability Program – Certificate of Insurance
- PDF Page: Page 4 of 31 (labelled Page 2 of 10 within the Certificate of Insurance)
📌 What the Policy Actually Says
The policy defines Certificateholder as follows:
“Certificateholder means you and:
a. The following resident(s) of your household:
(1) Spouse;
(2) Your relatives; and
(3) Any other person under the age of 21 who is in the care of any person named above.”
This definition is what legally determines who is covered under the policy.
Only the primary policyholder appears on the certificate, but eligible household members are automatically insured under this definition.
🏷️ Why Does Only One Name Appear on the Certificate?
The certificate is designed to identify the primary policyholder only.
It is not intended to list every person who is covered under the policy. Instead, it serves as proof that tenant insurance is active for the insured unit.
Here’s why this is done:
- Liability is issued to one individual
Claims, legal responsibility, and administration are tied to the named certificate holder.
- Coverage is defined in the policy wording
The certificate is a summary document. The policy wording determines who is insured.
- Household members are covered by definition, not by listing
Spouses, relatives, and dependent children are included automatically, even though their names do not appear on the certificate.
🧠 Helpful Context for Landlords
If your landlord requires specific individuals to be named on the policy, and those individuals are not already included under the policy definition, Standard Tenant Insurance may not meet that requirement.
In this case, you would need to purchase an individual custom tenant insurance policy.
🧾 When Is a Custom Policy Needed?
A custom tenant insurance policy may be required if:
- You live with roommates or co-tenants
- Multiple adults are listed on the lease who are not spouses or relatives
- Your landlord requires each tenant’s name to appear explicitly on one policy
Custom policies are designed to:
- List multiple named insureds
- Align directly with lease requirements
- Provide documentation that clearly names each individual
🔎 Standard vs. Custom — Which Do I Need?
- Choose *Standard Tenant Insurance* if you live alone or with a spouse, common-law partner, relatives, or dependent children.
- Choose *Custom Tenant Insurance* only if your landlord requires names to appear on the policy that are not automatically included under the standard policy definition.
If you’re unsure which option applies to your situation, reach out — we’re happy to help you confirm what’s required before you purchase or make changes.
Updated on: 30/01/2026
Thank you!