Types of policies: all about HO-4.
by: Christine Zafra
If the policies HO-1, HO-2, HO-3 and HO-5 all cover the houses with their owners living inside, HO-4 covers the renters. Every apartment for rent has a blanket policy (a policy that covers things in clusters like the “living room” of an apartment compared to the “sofa” in the living room); however, there are some things inside the apartment that are not covered by these policies and so, HO-4 catches all the responsibility of covering these. Accidents and mishaps that may happen within 150 feet of the home are covered by this (depending on the policy, the feet covered may vary). Also, damage causes include common incidents such as windstorm, theft, vandalism, falling objects (trees) to uncommon ones such as lightning, volcanic eruption, aircraft, riot etc.
Photo taken from http://www.houstonapartmentlocator.org