Coverage Provided Under HO-4 Renters Insurance

Renters insurance is typically classified as a HO-4 homeowners insurance policy in most states. An HO-4 renters insurance policy is generally divided into four parts.

• Coverage C: Insures your personal property against damage or loss. This includes possessions like DVD's, furniture, some sports equipment, clothes, cameras and others.
• Coverage D: Loss of use coverage which pays additional living expenses if your rental needs to be repaired or rebuilt due to an insured peril. Limits are expressed as a percentage or specific time limit.
• Coverage E: Personal liability protection in the event you cause damage or injury to another person, or property.
• Coverage F: Pays medical expenses up to a certain limit for someone injured in an incident that you are liable for.

Sources

1. A Consumer's Guide to Renter's Insurance. Retrieved June 9, 2008, from http://www.google.com/search?q=cache:TsWk9jaAsgMJ:www.ncdoi.com/consumer/consumer_publications/homeowners%2520and%2520renters/a%2520consumer%2520guide%2520to%2520renters%2520insurance~.pdf+renters+insurance+coverage+c&hl=en&ct=clnk&cd=8&gl=us