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

An HO-4, also known as a renters insurance policy, is specifically designed for tenants who rent or lease their living space. This policy provides coverage for personal property and liability but does not cover the building itself, as this is the responsibility of the landlord.

The nature of the HO-4 policy is tailored to meet the needs of renters, who often need protection for their personal belongings against risks such as theft, fire, or certain types of water damage. This insurance can also provide liability coverage in case someone is injured while on the rental property.

In contrast, owner-occupants of a dwelling would require an HO-3 policy, which covers both the structure and personal property, while business owners would need a different type of policy altogether to cover their commercial interests. Landlords, who own the property and are responsible for structural coverage, typically purchase a different property policy, such as an HO-6 or a landlord policy. Therefore, the only option that fits the intended purpose of an HO-4 policy is one for a renter.