Renters coverage is worth more than they want to pay.
After a theft, fire, water loss, or a loss that forced you out of your home, Koala reads your policy, values what you actually lost, and builds the case when the payout falls short of your coverage.
Free while in beta · Koala is not a law firm
What you're up against
Renters claims turn on a personal-property inventory and loss-of-use limits most people never read closely. It's easy to under-claim what was taken or damaged, and easy for an insurer to depreciate it further, without a documented replacement value to point back to.
Backup that does the work.
Reads your policy
Koala pulls your personal-property and loss-of-use limits and explains what your coverage actually promises.
Values what you lost
It benchmarks replacement cost for your inventory against real comparables, not just the adjuster's depreciated figure.
Drafts the demand
You get a demand letter that itemizes the shortfall and any additional living expenses, reviewed by you first.
Renters questions
The things worth knowing before you answer your insurer.
What is loss of use, and am I claiming it?
It pays the extra cost of living somewhere else while your place is uninhabitable: hotel, short-term rental, meals above what you'd normally spend. It is real money and it goes unclaimed constantly, because nobody sends you an invoice for it. Keep every receipt from the day you move out.
Why is the payout for my things so much lower than what I paid?
Because unless your policy is replacement cost, personal property is paid at actual cash value: what the item was worth the moment before it was lost, depreciated for age and wear. A four-year-old laptop is paid as a four-year-old laptop.
They're capping my jewellery at a few thousand dollars.
That is probably working as written. Standard policies cap whole categories (jewellery, cash, electronics, tools) at sub-limits far below your total personal-property coverage, regardless of what you actually own. Raising that cap requires an endorsement, bought before the loss.
I don't have receipts for most of it.
Almost nobody does, and it doesn't disqualify you. Photos, bank and card statements, emails, box serial numbers, and even old social media pictures of your own home all serve as evidence. The goal is a documented inventory, not a shoebox of receipts.
Don't recognise a word in your letter? Look it up in the glossary to find every term, and where it costs you money.
What renters coverage actually promises.
Half of what makes a settlement arguable is knowing what the policy said it would do in the first place: what it covers, what moves the price, and what Koala can't see.
Before you reply to them, read this.
Everything below is free and requires no account. A claim answered from a position of knowing how the process works is a different claim.
- Read it
Reference
The glossary
Actual cash value, proof of loss, the appraisal clause: what each term means and where it bites.
- Read it
Guides
Playbooks for a live claim
Documenting damage before you file, and checking a total-loss valuation line by line.
- Read it
How it works
What Koala actually does
The six stages, what you approve, and what leaves your hands, all before you hand it anything.
See what you're actually owed.
Upload your documents and Koala gets to work. You approve everything before it's sent to your insurer.