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# 🔍 Do I Have to Pay a Deductible for KOHO Standard Tenant Coverage?

If you're covered under a **KOHO Standard Tenant Insurance plan**, here's the scoop on how deductibles work:

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💸 When Does the Deductible Apply?

If your claim is for **Content coverage** (aka your personal belongings like furniture, electronics, or clothes), there’s a **$500 deductible per coverage tier** under your KOHO Group Tenant Insurance plan.

> **Example:**
> If your stolen or damaged items are valued at $1,200, your deductible is $500 — meaning you’d be reimbursed for the remaining $700 (once the claim is approved).

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✅ How the Deductible Affects Your Payment

The $500 deductible is subtracted from the approved amount of a personal property claim. For example, if covered damaged or stolen belongings are valued at $1,200, the claim payment would be $700 after the deductible, once the claim is approved. If the covered loss does not exceed the deductible, no payment is made for the personal property claim.

The deductible applies to the personal property portion of the claim, not to the policy limit. Coverage is still subject to the applicable personal property limit, named covered perils, and any item-specific restrictions in the certificate.

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✅ What’s Covered *Without* a Deductible?

You won’t have to pay a deductible for claims related to:

* **Bodily Injury** (someone else gets hurt in your rental)
    
* **Property Damage** (damage caused to the rental unit)
    
* **Medical Payments** (if a guest needs minor medical help after an incident)

So if your claim doesn’t involve your personal belongings, **you’re covered — no out-of-pocket cost** 🙌