Which coverage is NOT available in the HO4 policy?

The HO4 policy, commonly referred to as "Renters Insurance," is designed for tenants who do not have ownership of the property they occupy. It provides coverage primarily for personal property and certain additional living expenses if the rented dwelling becomes uninhabitable.

Coverage A pertains specifically to the structure of the home itself, which is relevant to homeowners policies (like HO2 or HO3) that cover the physical dwelling owned by the insured. Since renters do not own the structure they live in, they cannot benefit from Coverage A under an HO4 policy.

Coverage B, which addresses other structures on the premises, is also related to owner-occupied properties and is similarly excluded from an HO4 policy. Coverage C covers personal property, which is indeed available in an HO4 policy, recognizing the tenant's need to protect their belongings. Coverage D applies to loss of use, providing benefits for additional living expenses, and is relevant for renters who may have to temporarily relocate due to damage.

Understanding that the HO4 policy's primary function is to safeguard the tenant's interests helps clarify why Coverage A, relating to structural coverage, is not included.