HO-4 policy

An HO-4 policy, also known as renters insurance, provides financial protection for individuals renting a home or apartment. It covers personal belongings against risks like theft, fire, and vandalism, and includes liability coverage if someone gets injured on your property. Additionally, it may help pay for temporary housing if your rental becomes uninhabitable. This policy does not cover the building itself—landlord's insurance handles that. HO-4 offers peace of mind by safeguarding your personal property and liability, ensuring you’re protected financially from common rental-related risks.