Home & Property
HO-4 Policy (Renters)
The standard renters insurance policy covering personal property, liability, and additional living expenses for tenants.
Last reviewed: May 2026 · Editorial methodology
Definition
The HO-4 (Renters Form) insures tenants who do not own the dwelling they occupy, covering personal property, personal liability, and loss of use when a covered peril forces temporary relocation. Coverage applies on a named-perils basis, with fire, theft, vandalism, and burst pipes among the 16 standard perils. The landlord's building policy does not cover the tenant's belongings — a distinction renters often misunderstand until a loss occurs. Average HO-4 premiums nationally run $15–$25 per month, making renters insurance one of the most affordable lines available. Some landlords and apartment complexes now require proof of HO-4 coverage as a lease condition. Loss-of-use limits are typically 20–30% of the personal-property limit, paying for hotel stays and additional meal costs while the unit is repaired.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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