Which HO policy is typically a tenant's policy?

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Multiple Choice

Which HO policy is typically a tenant's policy?

Explanation:
A tenant typically uses HO-4, the renter’s insurance form. This policy is designed to protect the tenant’s personal property and provide liability coverage, along with extra living expenses if the rental area becomes uninhabitable due to a covered loss. The building itself isn’t insured by this policy—the landlord’s policy covers the structure. The other forms are meant for owners: HO-2 and HO-1 are for owner-occupied homes with varying levels of property coverage, and HO-6 is for condo unit owners to insure the interior and personal property. So HO-4 is the fit for a tenant because it addresses the protections renters need without covering the building.

A tenant typically uses HO-4, the renter’s insurance form. This policy is designed to protect the tenant’s personal property and provide liability coverage, along with extra living expenses if the rental area becomes uninhabitable due to a covered loss. The building itself isn’t insured by this policy—the landlord’s policy covers the structure. The other forms are meant for owners: HO-2 and HO-1 are for owner-occupied homes with varying levels of property coverage, and HO-6 is for condo unit owners to insure the interior and personal property. So HO-4 is the fit for a tenant because it addresses the protections renters need without covering the building.

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