Tenant Coverage is insurance for renters that provides crucial financial protection against unexpected events and liabilities that could otherwise be financially devastating.

💡 Already on the Everything Plan? Take advantage of Tenant Insurance and Rent Reporting and you can earn 0.25% cash back on every rent payment you make and report through KOHO. Learn more here.

Tenant Insurance is available to most KOHO members depending on your province of residence. Standard Tenant Coverage is only available to KOHO members in Alberta, Ontario, Manitoba, Nova Scotia, and British Columbia*.

If you have additional coverage needs or want customized insurance coverage, we recommend getting a Custom Tenant Coverage through our partner, Walnut. Learn more here.

Please note that KOHO members in Quebec will not be eligible for Tenant Coverage.

Open the KOHO app, navigate to the Discover tab, and select Tenant Insurance. From there, you can get a quote and sign up for either Standard or Custom Tenant Coverage.

If you sign up for Standard Tenant Coverage, you can choose your coverage and set the start date for your policy to begin. Monthly payments can be made with your KOHO account balance, debit card, or credit card.

Your Standard Tenant Coverage provides the following benefits:

Additionally, you are covered for your Contents based on the tier you select:

Each KOHO member is encouraged to assess their individual needs to determine the most suitable level of Contents coverage for their belongings.

The easiest way to get information about the Standard Tenant Coverage is by referring to the policy documents for your coverage. You can access your coverage information in the KOHO app by navigating to the Discover tab > Tenant Insurance page.

If you cannot find the answers to your questions related to your insurance coverage, you can contact our partners at Walnut for assistance. You can do this by visiting https://www.gowalnut.com/ca/koho 👍

A certificate provides specific details about the tenant's insurance and is often used as proof of insurance for third parties or contains the necessary information for making a claim.

You can access your Policy Certificate in the KOHO mobile app:

A policy is a document that outlines the insurance coverage provided to the tenant. It includes all the details such as policy limits, deductibles, covered perils, exclusions, and terms and conditions.

You can access your coverage details, billing information and more about your Standard Tenant Coverage policy in the KOHO mobile app:

Claims need to be submitted through the insurance administrator. Claims can be submitted by email to [email protected].

As well, you can access the email address to submit a claim in the KOHO mobile app:

Note: KOHO cannot assist with claims-related questions as KOHO does not manage or assess claims. This is the sole ownership of the administrator of the insurance product. You should contact the insurance provider directly.

There are no waiting periods for our Standard Tenant Coverage.

There is a deductible of $500 for each of the Content coverage tiers available within your Group Tenant coverage offering. For all other claims, including Bodily Injury, Property Damage and Medical Payments, there is no deductible.

Unfortunately, you cannot upgrade or downgrade coverage tiers with your Standard Tenant Coverage.

If you would like to change the tier of coverage, we recommend you cancel your current Standard Tenant Coverage, and re-enrol at the end of your billing cycle into your preferred tier. You will have coverage as soon as you enrol.

Should you wish to cancel your policy and remove your coverage, you can do so by following the steps below:

Your Standard Tenant Coverage policy for coverage in your home will remain active until the next billing date.

By cancelling your Standard Tenant Coverage policy, the coverage in your home will no longer be insured effective immediately. Once your cancellation is confirmed, you will receive a full refund in your KOHO account.

By cancelling your Standard Tenant Coverage policy, the coverage in your home will no longer be insured effective immediately. Your coverage from the start date to now, will also be voided.

To ensure your policy remains active, the monthly payment is attempted 3 days before the renewal date. If payment is not made by your renewal date, the Standard Tenant Coverage will be cancelled.

If your insurance was cancelled incorrectly, you can restart Tenant Coverage in the KOHO mobile app 👍

💡 Pro-Tip: To ensure smooth payments, make sure your KOHO balance is adequately funded. For added peace of mind, consider adding a backup payment method so you never run out of coverage.

We want to ensure the Standard Tenant Coverage works with the changes in your life including a new move. We recommend cancelling your tenant insurance and re-enroling with your new address 👍

To cancel your Standard Tenant Coverage for your current address, follow these steps:

* Insurance products are created by the insurer, who has the sole authority to determine coverage restrictions. Please be advised that province eligibility requirements are subject to change in the future.