What is another name for the HO-4 policy?

The HO-4 policy is commonly referred to as the "Contents coverage form." This designation is appropriate because the HO-4 is designed specifically for renters, providing coverage primarily for personal property and belongings inside the rented dwelling. Unlike homeowners insurance policies (such as the HO-1 or HO-3), which cover the structure of the home along with personal belongings, the HO-4 focuses on offering protection against damage to personal property from various perils, such as theft, fire, and vandalism.

This policy protects the insured’s personal items rather than the physical structure, which is typically the landlord's responsibility. By naming the HO-4 as a "Contents coverage form," it emphasizes that this policy is all about safeguarding the renter's possessions rather than the interior or exterior of the building itself. Thus, it effectively communicates the limited scope of coverage offered by the policy, distinguishing it from other homeowners insurance options that cover both structure and contents.