An HO-4 Policy is designed for a:

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Prepare for the Florida Claims Adjuster (6-20) Test. Use flashcards and multiple choice questions, with hints and explanations for each question. Ace your exam!

Multiple Choice

An HO-4 Policy is designed for a:

Explanation:
HO-4 is the renter’s insurance form. It is designed for someone who rents a dwelling and wants protection for personal property and liability. The building itself isn’t covered under this form—the landlord’s policy covers the structure. Condo owners typically need a different form (HO-6) to insure the unit and personal property, while homeowners usually use HO-3 for owner-occupied houses. Since HO-4 serves renters, it’s the appropriate choice for someone who rents.

HO-4 is the renter’s insurance form. It is designed for someone who rents a dwelling and wants protection for personal property and liability. The building itself isn’t covered under this form—the landlord’s policy covers the structure. Condo owners typically need a different form (HO-6) to insure the unit and personal property, while homeowners usually use HO-3 for owner-occupied houses. Since HO-4 serves renters, it’s the appropriate choice for someone who rents.

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