The insured may increase this limit for an additional premium. In addition to the basic limit, Coverage E also provides additional coverage for defense costs, providing first aid to others, damage to property of others, and loss assessment charges. Back to list of terms. This is the primary limit of insurance coverage for the HO-4 policy. Coverage C provides worldwide coverage for personal property of the insured.
Special limits apply to some types of property.
Some types of property are excluded from coverage. The insured selects the limit of coverage which is determined by the value of personal property owned. Back to list of terms. The HO-4 renters policy is a combination of property and liability coverages. The HO-4 policy is tailored to meet the needs of a tenant.