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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 liability and additional living expenses. An ...
HO-3 policies: These are the most common homeowners insurance policy type and include all the basic coverage types. The key difference between HO-3 and HO-2 policies is that an HO-3 policy covers ...
An HO-2 policy is a type of homeowners insurance that only covers damages caused by perils specifically named in your policy. ... you may need to purchase additional coverage. Some perils may not ...
For example, increasing jewelry coverage from the basic homeowners policy sublimit of $1,500 to $3,000 on a blanket policy may be all that is needed. Blanket coverage may be more cost-effective ...
Additional living expenses: Homeowners insurance generally covers additional living expenses you incur while repairs are being done up to a certain period of time or coverage limit. That means ...
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 ...
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