An HO-4 policy typically provides coverage for which of the following?

The HO-4 policy, also known as Renters Insurance, is specifically designed to cover the personal property of tenants who are renting an apartment or home. This type of policy provides financial protection for a renter's belongings—such as furniture, electronics, and clothing—against risks like theft, fire, or damage due to certain covered perils.

In addition to covering personal property, an HO-4 policy typically includes liability protection, which can help cover costs related to injuries or damages that occur within the rented space. It does not cover the structure itself, as that is the responsibility of the landlord or property owner.

This makes the HO-4 particularly relevant for individuals who do not own their housing but still want to protect their assets from unforeseen losses. The other options pertain to types of coverage that either relate to property owners or specific types of real estate that do not align with the renter's focus of an HO-4 policy.