HO-4 (Contents Broad Form)

The HO-4 (Contents Broad Form) is a type of homeowners insurance designed specifically for renters. It provides coverage for your personal belongings, such as clothing, furniture, and electronics, against risks like fire, theft, or vandalism. It also offers liability protection if someone is injured in your rental unit. This policy does not cover the physical structure of the building, as that responsibility usually lies with the landlord’s insurance. Essentially, HO-4 helps protect your personal possessions and provides financial security from certain unexpected events during your tenancy.