Homeowners Insurance FAQ's
The HO-4 Policy
The HO-4 policy which is the “renter” or “tenants” policy protects the belongings of tenants living in a house, apartment, room, etc. against any loss that may come from the 18 perils listed in the HO-1 and HO-2 policies. On top of this coverage, liability and medical payments coverage is included. However, this particular policy does not protect the building itself, that is covered under the landlord’s policy.
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