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R structures, and grounds; or b. That part of any other building; where you reside and which is shown as the "residence premises" in the Declarations. "Residence premises" also means a two family dwelling where you reside in at least one of the family units and which is shown as the "residence premises" in the Declarations. Copyright, Insurance Services Office, Inc., 1990 Page 1 of 18 SECTION I PROPERTY COVERAGES COVERAGE A Dwelling We cover: 1. The dwelling on the "residence premise.

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Completing the Ho 00 03 04 91 form online can seem challenging, especially if you are unfamiliar with insurance documents. This guide provides a clear, step-by-step approach to ensure you fill out the form accurately and efficiently.

Follow the steps to complete your form accurately.

  1. Press the ‘Get Form’ button to access the Ho 00 03 04 91 form and open it in your browser.
  2. Review the sections listed in the form, starting with the definitions. Here, you will find key terms explained such as 'you,' 'we,' and various types of coverage.
  3. Fill in your personal details in the designated fields at the top of the form, ensuring that names and addresses are spelled correctly.
  4. Proceed to fill out the property coverages section. Here, indicate the dwelling, personal property, and other structures you wish to insure, making sure to provide accurate values.
  5. Move to any required liability coverages. Fill in the relevant information reflecting your understanding of personal liability and medical payments.
  6. Consult the definitions as you go, ensuring that you understand the implications of each section as they relate to your insurance needs.
  7. Review your entries for accuracy and completeness. Double-check that all fields are filled in where required.
  8. Once everything is verified, save your changes and choose the appropriate option to download, print, or share your filled form.

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HO-4 insurance is the technical term for renters insurance. While your landlord insures the physical structure of the building you live in, an HO-4 policy protects your personal possessions if they are damaged under certain circumstances. On top of that, most HO-4 policies typically provide liability insurance.

An HO-3 insurance policy is a form of home insurance that protects policyholders against property damage, legal liabilities and other expenses associated with unexpected disasters befalling your home.

HO-4 insurance, or renters insurance, is coverage for your personal property. It can also cover your personal liability and temporary living expenses if your home becomes uninhabitable. Basically, HO-4 is like a safety net for your stuff. HO-4 insurance will cover your belongings, but not your physical building.

Additional HO-3 policy exclusions Floods and earthquakes are two of the most common perils that many insurers won't cover. In most cases, homeowners looking for protection against these perils will need to seek out a separate earthquake or flood insurance policy.

It's important to note that your personal property is still covered on a "named-peril" basis with an HO-3 policy. This is the most common type of policy. HO-4 — Simply speaking, this policy type describes a renters insurance policy.

What's the difference between HO3 and HO6? The main difference between an HO3 policy for a single-family home and an HO6 condo insurance policy is that while an HO3 covers the physical structure of your home itself, an HO6 policy only covers what's inside the walls of your condo.

An HO-4 policy is widely known as a renters insurance policy. When you rent, you still need protection for personal property and personal liability. HO-4 insurance helps pay for replacing personal property when there's damage or loss from a covered event.

A Tenant-Homeowners, or HO-4 policy as it is commonly referred to, covers the insured while they are renting a home or apartment against damage to their personal property against unforeseeable circumstances such as water damage from leaks, fire, lightning, hurricanes, and even theft of personal belongings.

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© Copyright 1997-2026
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232
Form Packages
Adoption
Bankruptcy
Contractors
Divorce
Home Sales
Employment
Identity Theft
Incorporation
Landlord Tenant
Living Trust
Name Change
Personal Planning
Small Business
Wills & Estates
Packages A-Z
Form Categories
Affidavits
Bankruptcy
Bill of Sale
Corporate - LLC
Divorce
Employment
Identity Theft
Internet Technology
Landlord Tenant
Living Wills
Name Change
Power of Attorney
Real Estate
Small Estates
Wills
All Forms
Forms A-Z
Form Library
Customer Service
Your Privacy Choices
Terms of Service
Privacy Notice
Legal Hub
Content Takedown Policy
Bug Bounty Program
About Us
Help Portal
Legal Resources
Blog
Affiliates
Contact Us
Delete My Account
Site Map
Industries
Forms in Spanish
Localized Forms
State-specific Forms
Forms Kit
Legal Guides
Real Estate Handbook
All Guides
Prepared for You
Notarize
Incorporation services
Our Customers
For Consumers
For Small Business
For Attorneys
Our Sites
US Legal Forms
USLegal
FormsPass
pdfFiller
signNow
altaFlow
DocHub
Instapage
Social Media
Call us now toll free:
+1 833 426 79 33
As seen in:
  • USA Today logo picture
  • CBC News logo picture
  • LA Times logo picture
  • The Washington Post logo picture
  • AP logo picture
  • Forbes logo picture
© Copyright 1997-2026
airSlate Legal Forms, Inc.
3720 Flowood Dr, Flowood, Mississippi 39232