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In terms of coverage, the primary difference between HO-4 and HO-6 insurance is that HO-6 insurance includes interior finishings and HO-4 policies don’t. If a covered event ruins your ...
Learn more: HO-3 insurance. HO–4. An HO-4 policy, also known as renters insurance, is intended for renters who want to insure their personal belongings and get additional coverage, like ...
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]
HO-4 policies also typically include additional living expenses coverage and liability coverage. HO-5 policies: These are the most robust homeowners insurance policies available and cover open ...
Subject to the "fortuity principle", the event must be uncertain. The uncertainty can be either as to when the event will happen (e.g. in a life insurance policy, the time of the insured's death is uncertain) or as to if it will happen at all (e.g. in a fire insurance policy, whether or not a fire will occur at all). [4]
There are other types of home insurance as well, with different coverage options, such as HO-4 insurance for renters. Checking your policy’s declarations page can show you what coverage types ...
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