HO-4 Policy (Renters Insurance)
Insurance Glossary
The standard renters insurance form, covering a tenant's belongings and personal liability but not the building itself, which the landlord insures separately. Personal property is typically written on a named perils basis, and the form includes loss of use if the unit becomes uninhabitable after a covered loss. The contents limit is chosen by the tenant rather than derived from a dwelling limit, and leases sometimes require the coverage.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
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