Renters Insurance Coverage Checker

Pick your item or peril, choose a cause of loss, and see what the standard HO-4 renters insurance policy says — no hedging, no call your agent.

What happened?

Item or peril

Cause of loss

Your result

standard HO-4 policies cover this

Explanation

Standard HO-4 renters insurance covers personal property damaged by fire, a named peril. Coverage is subject to policy limits and deductibles.

Read the full coverage guide

Policies vary. This explains the standard HO-4 form. Check your own declarations page or ask your insurer before relying on any answer here. We are not insurance agents and this is not insurance advice.