2019年4月14日 · HO-4 — Simply speaking, this policy type describes a renters insurance policy. Typically with these policies, your liability and your personal property are covered up to the policy limits. This is an ideal policy for someone renting an apartment or house. HO-5 — Designates a "comprehensive form" homeowners insurance policy. This policy type ...

2025年2月21日 · While your landlord likely insures the physical structure of the building you live in, an HO-4 policy provides coverage for your personal possessions if they were to be damaged by a covered...

2020年1月2日 · HO-4 insurance insurance is a relatively cheap way to protect your belongings in case of fire, leak, break-in or other perils. Personal liability coverage is also included in an HO-4 insurance policy, meaning if someone gets hurt while in your rental, your policy will help pay for their medical bills.

2025年1月16日 · An HO-4 policy is the name of the insurance form that offers protection for renters. You may hear it referred to more commonly as a renters policy. It primarily provides coverage for a renter’s personal property and liability. This type of policy can be purchased directly through a company or through an insurance agent.

The HO4 insurance policy is most commonly referred to as renters insurance. Whether you rent a home, condo, townhome, or apartment, if you purchase insurance, you most likely have HO-4 insurance. Regardless how it’s spelled (HO4, HO 4, HO-4, H04) it always means the same thing – insurance for people who rent the property they live in.

2023年8月31日 · An HO-4 policy is a type of homeowners insurance that provides property, liability and additional living expense coverage for renters. Although it is not a legal requirement, renters are often required by their landlords to purchase this kind of coverage.

HO4 insurance, or renters insurance, is financial coverage for 1) damages or losses to your stuff 2) legal fees if you’re sued 3) other’s medical bills if you’re at fault and 4) temp living expenses if your place becomes uninhabitable. Score! HO4 is essentially a …

2020年7月17日 · An HO-4 policy covers losses to possessions caused by the same types of disasters as most home insurance policies, perils such as fire, hailstorms and vandalism. Standard HO-4 policies provide liability protection, pay to replace your personal belongings and help pay your living expenses if you need to move out of your rental home following a ...

An HO-4 insurance policy is an insurance policy for renters that helps protect their belongings, personal liability, and additional living expenses. While not required like its home insurance counterparts, renters insurance is an important type of insurance to consider.

2024年1月25日 · When renting an apartment or house, your landlord’s insurance policy only covers the structure. An HO-4 policy, also known as a renters insurance policy, protects your personal belongings. An HO-4 renters’ policy provides “named perils” coverage, which defines the type of disasters covered in its terms.