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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.
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.
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.
1 Αυγ 2024 · An HO-4 policy is the name of the insurance form that offers protection for renters. You may hear it referred to more commonly as a renters policy. It primarily provides coverage for a renter’s personal property and liability.
26 Ιουλ 2024 · Learn about HO-4 insurance, also known as renters insurance, and why it may be beneficial for renters. Find out what it covers, exclusions, costs and more.
HO4 insurance is a named perils policy, which means the coverage steps in when the incidents listed in the policy damage your stuff. HO4 policies usually cover damage caused by these 16 named perils: Fire or lightning. Windstorm or hail. Explosion. Riot or civil commotion. Aircraft. Vehicles. Smoke. Vandalism. Theft. Volcanic eruption.
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.
