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HO-4 Renters Insurance Policy

An HO-4 policy is the form used for a renters insurance policy. The renters policy will provide for coverage for personal property held within the dwelling. This policy does not cover the house or apartment that is being rented as that would be covered on the landlords policy. This policy will usually also provide liability coverage for the tenant.

Here is a break-down of the coverages:

  • Coverage A - Dwelling: None.
  • Coverage B - Other Structures: None.
  • Coverage C - Personal Property: $10,000 minimum (can vary by state).
  • Coverage D - Loss of Use: 30% of Coverage C.
  • Liability: Minimum of $100,000.
  • Medical Payments: Minimum of $1,000.

Most homeowners insurance agents also sell renters insurance. For additional questions talk to a local agent.





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