What type of property does the HO 00 04 or Tenants policy primarily insure?

The HO 00 04 policy, commonly known as the Tenants policy or Renters insurance, primarily insures personal property. This type of insurance is designed for individuals who rent their dwelling and do not own the building itself. It provides coverage for personal belongings such as furniture, electronics, clothing, and other personal items against risks like theft, fire, and certain types of water damage.

In addition to personal property coverage, the policy can often include some liability coverage, which protects the insured from personal liability claims made by others for bodily injury or property damage. However, the core focus of the HO 00 04 policy is on protecting the tenant's personal property rather than real property or commercial property, which are not covered by this specific type of policy.

Understanding this distinction can help renters ensure they are adequately protecting their personal belongings while also being aware of any additional coverage options they may need for liability or other risks.