What does the HO-4 form cover?

The HO-4 form is specifically designed for renters, providing coverage primarily for the tenant's personal property. This type of policy is often referred to as Renter's Insurance. It protects individuals who do not own the dwelling but have personal belongings within it, covering losses incurred from incidents such as theft, fire, and vandalism.

While the other options mention various aspects of property coverage, they do not align with the purpose of the HO-4. The form does not provide coverage for the entire dwelling structure, as that is typically covered by the landlord's policy under a different form, nor does it cover only the common areas, which might be addressed in a different context or policy type. Additionally, liability coverage for the landlord is not applicable under the HO-4, as that would pertain to the landlord's responsibility rather than that of the renter. Thus, the focus of the HO-4 is squarely on the protection of the tenant's belongings, making it essential for those renting a home or apartment.