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An HO4 policy, also called renters insurance, protects a renter’s personal property and addresses their personal liability. In other words, it can help pay for: Replacing your property when it’s stolen or damaged by a covered incident. Legal expenses when someone is injured in your rented space or you damage their property.
14 Απρ 2019 · HO-6 — Designates a condo insurance policy. These policies generally cover your personal property and the structure of your condo from the wall studs in. You should still consult with the agent quoting a policy for your home and ask about the specifics of how that policy would apply.
17 Ιουλ 2020 · Commonly called renters insurance, an HO-4 policy can help protect you against the high cost of lawsuits, replace your personal belongings if lost to damage or theft and help pay your expenses if a disaster displaces you from your home.
26 Ιουλ 2024 · HO-4 insurance is the technical term for renters insurance. While your landlord likely insures the physical structure of the building you live in, an HO-4 policy provides coverage for your...
1 Αυγ 2024 · An HO-4 is different from an HO-6 policy that provides coverage for those who own a condominium or townhouse. Insurers will usually take depreciation into consideration when determining the value of your property, but renters can purchase replacement cost coverage, which does not.
An HO-4 policy is specifically designed for people renting a house, condo, or apartment. By providing coverage for the residents and their belongings, but not the structure they live in, HO-4 policies can help renters save money and not pay for coverage they don’t actually need.
2 Ιαν 2020 · HO-4 insurance covers you if a covered peril damages or destroys your stuff, or if you’re liable for damage to someone else’s property or injuries to others, both on or off your property. HO-4 insurance will also reimburse you for a covered peril that destroys your personal property.
