Homeowners Policy (HO)Question 286 of 474
A tenant who rents an apartment and wants to insure personal belongings and obtain personal liability coverage should purchase:
a.HO-6
b.HO-8
c.HO-4
d.HO-3
Explanation
The HO-4 form is the renters (tenants) policy. It covers the tenant's personal property and provides personal liability and loss-of-use coverage, but not the building, which is the landlord's responsibility. HO-6 is for condominium unit owners who own the interior, and HO-3 and HO-8 are owner-occupied dwelling forms that include structural coverage the renter does not need.
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Related questions on this topic
- Personal property usually located AWAY from the residence premises is covered under Coverage C at the greater of:
- On a standard HO-3 policy, the limit for Coverage D (Loss of Use) is typically:
- The most commonly purchased Homeowners form, which covers the dwelling on an open-perils basis and personal property on a named-perils basis, is the:
- A condominium unit owner who needs to insure the interior of the unit and personal property should buy:
- Under a Homeowners policy, which coverage provides additional living expense when a covered loss makes the home temporarily uninhabitable?
- Coverage F (Medical Payments to Others) under a Homeowners policy pays medical expenses for an injured guest:
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