What type of coverage does an HO-4 form provide to homeowners?

The HO-4 form, also known as a renters insurance policy, is specifically designed to provide coverage for personal property owned by tenants. This type of insurance protects individuals who are renting a home or apartment against risks such as theft, fire, and certain types of damage that might occur to their personal belongings.

Unlike some other homeowners' policies that include coverage for the dwelling itself, the HO-4 does not cover the physical structure where the tenant resides; that is the responsibility of the landlord. Instead, the focus of an HO-4 policy is entirely on the tenant's personal property, which can encompass furniture, electronics, clothing, and other items within the rented space.

This policy can also extend to liability coverage, but the primary reason the HO-4 is selected by renters is primarily for the protection it offers to their personal possessions. Various perils are typically included under personal property coverage, giving tenants peace of mind that their belongings are safeguarded.