A renter who wants to insure personal belongings and obtain personal liability coverage, but not the building, should buy:
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 structure, which is the landlord's responsibility. HO-6 is for condo owners, who own the interior and some structural elements; HO-3 and HO-8 are owner-occupied dwelling forms that include Coverage A on the structure.
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Related questions on this topic
- Which Homeowners form covers both the dwelling and personal property on an open-perils basis?
- The HO-8 modified form is specifically designed for:
- Under a standard Homeowners policy, which coverage pays for injuries to a guest for which the insured is legally liable?
- Coverage F (Medical Payments to Others) on a Homeowners policy pays for medical expenses of a guest:
- Under most Homeowners forms, certain categories of personal property such as jewelry, cash, and firearms are subject to:
- On a standard HO-3, the personal property of the insured is insured against:
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