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Which ISO Homeowners form is designed for tenants/renters and provides NO Coverage A (Dwelling) limit?

Q: Which ISO Homeowners form is designed for tenants/renters and provides NO Coverage A (Dwelling) limit?

HO-4 Contents Broad Form — The ISO HO-4 Contents Broad Form is the standard renters policy. Because the tenant does not own the structure, HO-4 omits Coverage A (Dwelling) entirely. Coverage C (Personal Property) is written on a named-perils basis using the same 16 covered causes of loss that appear on HO-3 contents. HO-4 also includes Coverage D (Loss of Use), Coverage E (Personal Liability), and Coverage F (Medical Payments to Others), plus a 'building additions and alterations' additional coverage, paid under Coverage C, for tenant improvements (ISO HO 00 04 Section I — Coverages).

AHO-3 Special Form

BHO-6 Unit-Owners Form

CHO-8 Modified Coverage Form

HO-4 Contents Broad Form

Why this is the answer

The ISO HO-4 Contents Broad Form is the standard renters policy. Because the tenant does not own the structure, HO-4 omits Coverage A (Dwelling) entirely. Coverage C (Personal Property) is written on a named-perils basis using the same 16 covered causes of loss that appear on HO-3 contents. HO-4 also includes Coverage D (Loss of Use), Coverage E (Personal Liability), and Coverage F (Medical Payments to Others), plus a 'building additions and alterations' additional coverage, paid under Coverage C, for tenant improvements (ISO HO 00 04 Section I — Coverages).

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