HO-4: Contents Broad Form

The HO-4 form, commonly known as renters insurance, is designed for tenants. It covers personal property against named perils like fire, theft, and vandalism, and includes liability coverage for bodily injury or property damage caused by the insured. HO-4 also provides additional living expenses if the rental becomes uninhabitable due to a covered loss. It does not cover the structure of the building, as that is the landlord's responsibility.

HO-4 POLICY TYPE: Named Peril for Personal Property

HO-4 DWELLING COVERAGE: No Coverage

HO-4 PERSONAL PROPERTY COVERAGE: Actual Cash Value (ACV)

WHO IS THE HO-4 FORM FOR? The HO-4 policy is designed for those renting an apartment, condo, or house. 

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HO-4 POLICY COVERAGE:

• Dwelling Coverage: NO
• Other Structures Coverage: NO
• Personal Property Coverage: YES
• Additional Living Expenses (ALE): YES
• Personal Liability Coverage: MAYBE
• Medical Payments Coverage: MAYBE

HO-4 PERILS COVERED: 

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and mischief
• Theft
• Volcanic eruptions
• Falling Object
• Weight of ice, snow or sleet
• Water/Steam Accidental Discharge or Overflow
• Water/Steam tearing, cracking, burning, or bulging
• Freeze: plumbing, heating, AC, fire sprinkler, appliance
• Artificially generated Electrical Current damage