HO-4 can be issued to which of the following?

HO-4 can be issued to which of the following?

• A. A homeowner
• B. A condo owner
• C. A non-owner tenant of a mobile home
• D. A landlord

Answer: (C)

HO-4 is the renters policy. It’s designed for people who rent a dwelling and don’t own the structure, providing protection for the renter’s personal property and liability, while the building itself is insured under the owner’s policy. Among these options, only the non-owner occupant of a mobile home fits that scenario: they live in a dwelling they do not own, so HO-4 is the appropriate coverage. A homeowner needs a standard homeowners form, a condo owner needs a condo unit owners form, and a landlord typically has a dwelling/landlord policy rather than HO-4.

HO-4 is the renters policy. It’s designed for people who rent a dwelling and don’t own the structure, providing protection for the renter’s personal property and liability, while the building itself is insured under the owner’s policy. Among these options, only the non-owner occupant of a mobile home fits that scenario: they live in a dwelling they do not own, so HO-4 is the appropriate coverage. A homeowner needs a standard homeowners form, a condo owner needs a condo unit owners form, and a landlord typically has a dwelling/landlord policy rather than HO-4.