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 | ✓ | |