Insurance Form Ho 4

Definitions in this policy you and your refer to the named insured shown in the declarations and the spouse if a resident of the same household.

Insurance form ho 4. The owner or landlord s insurance minimally will cover the rental structure in the event of the 11 perils covered by a ho 1 but will not cover tenant belongings. 4 ho 4 is a type of home insurance policy that provides coverage for only the contents of the home against 16 named perils as well as liability coverage for property damage or injury to those in the residence. Homeowners upcic ho4 15 05 18 upcic ho4 15 05 18 includes copyrighted materials of insurance services office inc with its permission. Ho 4 insurance commonly referred to simply as renter s insurance is an insurance policy that covers tenants from loss of personal property.

Homeowners 4 contents broad form agreement we will provide the insurance described in this policy in return for the premium and compliance with all applicable provisions of this policy. An ho 4 does not cover damage to the rental unit. Regardless how it s spelled ho4 ho 4 ho 4 h04 it always means the same thing insurance for people who rent the property they live in. Ho 4 is also known as renter s insurance.

It is basically a modified ho 2 to cater to tenants of a room apartment or home. Commonly referred to as renter s insurance this policy form covers personal property in a rented home or apartment. Insurance services office inc 1999 ho 00 04 10 00 b electronic apparatus and accesso. Homeowners 4 contents broad form agreement we will provide the insurance described in this policy in return for the premium and compliance with all applic a ble provisions of this policy.

It does not cover the actual house or apartment that is being rented. Typically with these policies your liability and your personal property are covered up to the policy limits. Whether you rent a home condo townhome or apartment if you purchase insurance you most likely have ho 4 insurance. Ho 4 simply speaking this policy type describes a renters insurance policy.

Ho 4 a standard renters insurance policy is also known as an ho 4. That property is covered by the landlord s insurance policy. This type of policy form helps protect a renter s personal belongings against 16 perils says the iii. Page 3 of 29 homeowners 4 contents broad form agreement we will provide the insurance described in this policy in return for the premium and compliance with all.