HO-4 (Renters)

Renters insurance — covers your belongings and liability inside a place you don’t own. Shockingly cheap for what it does.

An HO-4, better known as renters insurance, covers your belongings and your personal liability when you rent rather than own. Your landlord’s policy covers the building — not a thing inside your unit that belongs to you.

For a few dollars a month, it replaces your stuff after theft, fire, or many kinds of water damage, pays your extra living costs if the unit becomes unlivable, and defends you if you’re liable for someone’s injury or damage. It even follows your belongings away from home.

It’s one of the best values in all of insurance — often $15–$25 a month for tens of thousands in protection — and many landlords now require it.

Renters insurance →

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.