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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.
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.
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.
30 Απρ 2024 · Buy the best condo insurance in California, discover how much condo insurance costs in CA for October 2024, and much more.
10 Σεπ 2024 · Independent insurance agents can help you decide on the best HO4 policy for your needs and budget. Overall, a renters policy is very inexpensive and simple to set up. Of course, you’ll need to decide how high your benefit limits should be to replace all of your personal possessions.
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.
