- Renters Insurance or HO-4 – This policy covers property of the people who rent a dwelling, it can be a home, a condo, an apartment or a townhouse. The policy covers loss or damage to property as a result of the 16 named perils specified in HO-1 and HO-2. This is a broad policy which can extend to all of the belongings a person owns but not to the dwelling or structure itself. HO-4 can also cover Liability Insurance and Medical Payments to Others, this will help cover the renter with a small amount of insurance in case other people encounter accidental injuries within the property.
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