Which homeowners policy specifically covers renter's insurance?

The homeowners policy that specifically covers renter's insurance is known as HO 4, which is designed for tenants rather than property owners. This type of policy provides coverage for personal property within a rented dwelling, as well as liability protection in case of damage to others or their property.

HO 4 is unique in that it does not cover the structure itself since tenants do not own the building they reside in; instead, it focuses on protecting the tenant's possessions and their financial responsibility for any damages they may inadvertently cause to the landlord's property. This makes it particularly tailored to the needs of renters who need to safeguard their contents against risks such as theft, fire, or vandalism.

Other homeowners policies like HO 2 (broad form), HO 3 (special form), and HO 6 (unit owners policy) serve different purposes. HO 2 provides coverage for homeowners with a broader range of perils but is not designed for renters. HO 3 is intended for standard homeowners with comprehensive coverage for their property and liability. HO 6 is aimed at condominium owners and covers the interior of the unit and personal property but again does not apply to rental situations like HO 4 does. Thus, HO 4 is the correct choice for renter's