Which HO Form is specifically designed for renters?

The HO-4 form, also known as the Tenant's Insurance policy, is specifically designed for renters. This form provides coverage for personal property and liability protection for individuals who do not own the dwelling they live in, allowing them to protect their personal belongings against risks such as theft, fire, and vandalism. Additionally, it offers liability coverage should they be responsible for injuries or damages to others while on the premises. This form is tailored to meet the needs of renters, recognizing that they may not require coverage for the physical structure of the building, which is the responsibility of the landlord or property owner.

In contrast, the other forms mentioned are aimed at specific homeowner situations. The HO-1 is a basic form that covers very limited perils for homeowners, the HO-3 is the most common form for homeowners that provides broad coverage for the house itself and personal property, while the HO-8 is designed for older homes with a limited coverage approach, often reflecting the replacement cost rather than the market value. These forms do not address the specific needs of renters, making the HO-4 the appropriate choice for those renting a residence.