What type of coverage does HO-4 provide?

The correct understanding of HO-4 coverage is that it primarily addresses the needs of renters. This policy, also known as renter's insurance, is designed specifically for individuals who do not own their living space but who want to protect their personal belongings.

HO-4 provides coverage for personal property (Coverage C) only, which means it focuses on the personal belongings of the tenant, such as furniture, electronics, and clothing. It is important to note that HO-4 does not include Coverage A (building coverage) or Coverage B (other structures) since it is tailored for renters who do not have a residence to insure in that manner. Hence, the emphasis is on protecting the renter's possessions from risks like theft, fire, and water damage, but there is no provision for liability coverage or structural integrity because the tenant does not own the property.

Therefore, it accurately reflects that HO-4 covers Coverage C with no A or B, catering specifically to the renter's scenario.