🏠 What’s Included in my KOHO Standard Tenant Insurance Policy?
🛡️ Core Coverage
This is your “if something goes wrong” protection:
Bodily Injury Liability – Up to $1,000,000
If someone gets injured in your rental, this helps cover medical expenses and potential legal claims.
Property Damage Liability – Up to $100,000
Covers unintentional damage caused to the rental unit due to accidental events or vandalism for which you may be held legally responsible. This applies when damage is sudden and
unexpected — like a kitchen fire, a broken window, or intentional damage by others.
Medical Payments to Others – Up to $10,000
Helps cover minor medical expenses if a guest is injured at your residence, regardless of who’s at fault.
You’re covered if something happens to someone else at your place. Not for injuries to yourself.
*
🧸 Stuff That’s Also Covered, aka Endorsements (Only Included if You Have Personal Property Coverage)
,
These are the “extras” you also get with KOHO’s coverage:
🛋️ Your stuff (personal belongings): Up to $5K-15K total ( $500 deductible applies*)
🐶 Pet damage or bites: Up to $100K
🧼 Pet messes (yup, that too): $750
🧟 Biohazard clean-up (like after a death): $2K
🪳 Bed bug treatment (if confirmed): $1K
🍄 Mold/fungi issues ( liability only*): $10K
*
🔥 What Situations Are Covered? (Only Included if You Have Personal Property Coverage)
Your personal property coverage kicks in for things like:
Fire 🔥
Theft 🚪
Water leaks 💧
Vandalism 🎯
Smoke damage 💨
…and more
*
🛌 Temporary Accommodations (Only Included if You Have Personal Property Coverage)
If your unit becomes unlivable due to a covered event (like a fire or water damage), KOHO’s got your back. You can use up to $4,000 of your personal property limit to help with a temporary place to stay.
❌ Not covered for accommodations:
Voluntary moves
Renovations that aren’t tied to a loss
Repairs from things not covered (flood, mold, etc.)
*
📍 Real-Life Example
Your neighbor’s toilet floods and water wrecks your stuff? 🛁 KOHO’s personal property coverage can help you replace what you lost (minus that $500 deductible).
*
🚫 What’s Not Covered
Let’s be real — insurance doesn’t cover everything. Here’s what’s not included:
Injuries to you or your household
Floods 🌊 or earthquakes 🌎
Business gear or side hustle stuff 💻
Damage you caused on purpose 😬
Roommate’s stuff (unless they’re fam 👨👩👧👦)
Cars, cash, or your actual pets 🐾
Bug or rodent damage 🐜🐭
Mold or fungi damage to your stuff (unless you’ve got the limited liability add-on)
You can download a sample policy document to see exactly what’s covered under KOHO’s Standard Tenant Insurance:
🔗 Download the Sample Policy (PDF)
This document includes detailed information about:
Coverage limits
Exclusions
Definitions and terms
If you have any questions about how to read the policy or what applies to your situation, feel free to reach out to us via the chat bubble or at koho.help@gowalnut.com.
This is your “if something goes wrong” protection:
Bodily Injury Liability – Up to $1,000,000
If someone gets injured in your rental, this helps cover medical expenses and potential legal claims.
Property Damage Liability – Up to $100,000
Covers unintentional damage caused to the rental unit due to accidental events or vandalism for which you may be held legally responsible. This applies when damage is sudden and
unexpected — like a kitchen fire, a broken window, or intentional damage by others.
Medical Payments to Others – Up to $10,000
Helps cover minor medical expenses if a guest is injured at your residence, regardless of who’s at fault.
You’re covered if something happens to someone else at your place. Not for injuries to yourself.
*
🧸 Stuff That’s Also Covered, aka Endorsements (Only Included if You Have Personal Property Coverage)
,
These are the “extras” you also get with KOHO’s coverage:
🛋️ Your stuff (personal belongings): Up to $5K-15K total ( $500 deductible applies*)
🐶 Pet damage or bites: Up to $100K
🧼 Pet messes (yup, that too): $750
🧟 Biohazard clean-up (like after a death): $2K
🪳 Bed bug treatment (if confirmed): $1K
🍄 Mold/fungi issues ( liability only*): $10K
*
🔥 What Situations Are Covered? (Only Included if You Have Personal Property Coverage)
Your personal property coverage kicks in for things like:
Fire 🔥
Theft 🚪
Water leaks 💧
Vandalism 🎯
Smoke damage 💨
…and more
*
🛌 Temporary Accommodations (Only Included if You Have Personal Property Coverage)
If your unit becomes unlivable due to a covered event (like a fire or water damage), KOHO’s got your back. You can use up to $4,000 of your personal property limit to help with a temporary place to stay.
❌ Not covered for accommodations:
Voluntary moves
Renovations that aren’t tied to a loss
Repairs from things not covered (flood, mold, etc.)
*
📍 Real-Life Example
Your neighbor’s toilet floods and water wrecks your stuff? 🛁 KOHO’s personal property coverage can help you replace what you lost (minus that $500 deductible).
*
🚫 What’s Not Covered
Let’s be real — insurance doesn’t cover everything. Here’s what’s not included:
Injuries to you or your household
Floods 🌊 or earthquakes 🌎
Business gear or side hustle stuff 💻
Damage you caused on purpose 😬
Roommate’s stuff (unless they’re fam 👨👩👧👦)
Cars, cash, or your actual pets 🐾
Bug or rodent damage 🐜🐭
Mold or fungi damage to your stuff (unless you’ve got the limited liability add-on)
📄 Want to See the Full Policy Details?
You can download a sample policy document to see exactly what’s covered under KOHO’s Standard Tenant Insurance:
🔗 Download the Sample Policy (PDF)
This document includes detailed information about:
Coverage limits
Exclusions
Definitions and terms
If you have any questions about how to read the policy or what applies to your situation, feel free to reach out to us via the chat bubble or at koho.help@gowalnut.com.
Updated on: 24/04/2025
Thank you!