Which HO policy is specifically a tenant's policy?

• A. HO-1
• B. HO-4
• C. HO-2
• D. HO-6

Answer: (B)

For renters, the policy designed to cover personal property and liability, not the building itself, is the tenant’s coverage. This is the form used for people who don’t own the dwelling but want protection for their belongings and their financial exposure if someone is injured or their property is damaged. It provides coverage for personal property against named perils, liability protection, and often additional living expenses if the rental becomes uninhabitable, while deliberately excluding dwelling coverage since the tenant doesn’t own the structure. Other HO forms are geared toward owners—covering the dwelling or condo unit itself and any owned structures—so they aren’t appropriate as a tenant policy. In short, the renter’s policy is the one that focuses on personal property, liability, and related living-expense coverage for a renter.