South Carolina Personal Lines Practice Exam

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What is the HO form that is referred to as the contents broad form?

  1. HO-4

  2. HO-5

  3. HO-6

  4. HO-3

The correct answer is: HO-4

The form that is referred to as the contents broad form is the HO-4. This type of homeowner's insurance policy is specifically designed for tenants or renters, providing coverage for personal property against a broad range of perils. The HO-4 policy does not cover the dwelling itself since the renter does not own the structure; instead, it focuses on insuring the contents of the home. This coverage includes protection against risks such as fire, theft, and vandalism, among others, and is vital for individuals who wish to safeguard their personal belongings inside a rented property. Other forms, such as HO-3, HO-5, and HO-6, have different coverage scopes, including dwelling coverage for homeowners or specific coverage for condominium units, which is why they would not be classified as the contents broad form.

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