A tenant rents an apartment and wants to insure her own belongings and protect herself against liability claims by guests. Which homeowners form is designed for her?
Explanation
The HO-4, often called the Renter's or Tenant's form, is built specifically for someone who does not own the building. It provides named-peril coverage on personal property (Coverage C), additional living expense (Coverage D), personal liability (Coverage E), and medical payments to others (Coverage F), but does not include Coverage A for the dwelling itself, which remains the landlord's responsibility.
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Related questions on this topic
- An HO-3 policy provides what kind of peril coverage on the dwelling (Coverage A) and on personal property (Coverage C)?
- Which homeowners form provides open-peril ("all-risk") coverage on BOTH the dwelling AND personal property?
- Which homeowners form is intended for a condominium unit owner and includes a loss-assessment coverage for assessments levied by the condo association?
- An owner of a 110-year-old Victorian in San Francisco cannot find a standard HO-3 policy because the replacement cost exceeds the market value by a wide margin. Which homeowners form is designed for older homes and settles dwelling losses on an ACV (actual cash value) basis?
- On a standard HO-3 policy, Coverage B (Other Structures) is typically provided as an automatic additional amount equal to what percentage of Coverage A (Dwelling)?
- On a standard owner-occupied HO-3, what is the customary built-in limit for Coverage C (Personal Property) as a percentage of Coverage A?
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