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Although your home’s structure is likely covered by your landlord’s insurance, you may need a renters policy, or HO-4 insurance, to cover your personal belongings, liability and additional ...
Renters who report issues with their property to their Landlord or to housing health and safety regulators risk a type of eviction.While landlords are often legally required to conduct certain repairs or ensure properties to-let are within health and safety codes, a landlord might choose to evict their renters instead of adressing the issue.
Renters can often get a reduced rate on their renters insurance if they bundle it with an auto policy. Additionally, you may earn a discount if the property has certain safety features.
The remaining 21.3% of home insurance policies were covered by renter's or condominium insurance. 14.8% of these had the HO-4 Contents Broad form, also known as renters' insurance, which covers the contents of an apartment not specifically covered in the blanket policy written for the complex. [13]
Renters' insurance, often called tenants' insurance, is an insurance policy that provides some of the benefits of homeowners' insurance, but does not include coverage for the dwelling, or structure, with the exception of small alterations that a tenant makes to the structure.
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related to: repair request form for renters policy