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What is an HO-4 insurance policy?

I would like to ask this question from Insurance subject

This question was addressed to me in semester exam.

Other related questions to my question are:

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Correct answer is: HO4 insurance, or renters insurance, is financial coverage for 1) damages or losses to your stuff 2) legal fees if you're sued 3) other's medical bills if you're at fault and 4) temp living expenses if your place becomes uninhabitable.

The title of my answer is What is HO4 Insurance?

The reference of my answer is Lemonade

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