HO4
Renters of apartments, dwellings or condos. The sections of this policy are:
- Coverage C – Personal Property: Personal property covered on and off premises worldwide. Example: Minimum $50,000
- Coverage D – Loss of Use (Additional Living Expenses): Minimum 20% of Coverage C. The necessary increase in living expense incurred by the insured in order to continue their normal standard of living following a loss by an insured peril. Example: $10,000
- Coverage E –This coverage protects you against a claim or lawsuit resulting from bodily injury or property damage to others. The coverage applies to you and all family members who live with you.
- Coverage F – Medical Payments to Others: Reasonable medical expenses incurred on the insured premises or caused by activities of the insured under the policy without regard to fault.