🏠 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 legal or medical costs when a guest is injured at your residence, regardless of who’s at fault. This coverage applies strictly to guests and does not cover the certificateholder’s or household’s own medical expenses.

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 🌎. Water damage exclusions include water below the surface of the ground, including water that exerts pressure on, seeps, leaks, or flows through a building.
• Ongoing or repeated water issues, maintenance problems, wear and tear, or damage that occurs over time.
• Water damage caused by a tap being left running or another preventable situation.
• Mold or fungi-related loss or expenses, including treatment, where the applicable policy wording excludes the loss. Limited fungi, wet or dry rot, or bacteria coverage may apply only in the circumstances and for the purposes stated in the policy.
• Business gear or side hustle stuff 💻
• Damage you caused on purpose 😬
• Roommate’s stuff (unless they’re fam 👨‍👩‍👧‍👦)
• Cars, cash, or your actual pets 🐾
• Motor vehicles and other motorized land conveyances, including their equipment and accessories. This generally excludes electric bicycles, along with items such as their batteries and consoles, whether the loss involves theft or damage and whether it occurs at or away from the insured location. An exception may apply when an e-bike is designed to assist with a physical disability.
• 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: 17/08/2026