HO4 Renters Insurance vs. Tenant Legal Liability
HO4 Renters Insurance vs. Tenant Legal Liability | ||
---|---|---|
HO4 | Tenant Legal Liability | |
Policy Issued To: | Renter | Landlord |
Tenant Personal Liability | ✓ | |
Tenant Legal Liability | ✓ | ✓ |
Personal Property | $10,000 – $100,000 | $5,000 |
On-Premise Bodily Injury | ✓ | |
Certain Off-Premise Bodily Injury | ✓ | |
Dog Bites | $10,000 | |
Legal Liability to Other Tenants | ✓ | ✓ |
Burglary | ✓ | ✓ |
Perils | ||
Fire, Smoke, Water Damage, Sprinkler System, Falling Objects | ✓ | ✓ |
Freezing of Plumbing heating/cooling, collapse, riot/civil commotion | ✓ | ✓ |
Vandalism, Breakage of Glass, Windstorm/Hail | ✓ |