Rhode Island Insurance Adjuster Exam

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Prepare for the Rhode Island Insurance Adjuster Exam with flashcards and practice questions. Enhance your understanding with hints and explanations, ensuring you're fully prepared for a successful exam experience!

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Does an HO-4 policy cover a dwelling?

Yes, fully
No, it covers content only
Only for rented houses
Yes, but with conditions

The correct answer is: No, it covers content only

An HO-4 policy, also known as a renter's insurance policy, is designed specifically for tenants who rent or lease their living space. This type of policy primarily provides coverage for personal property and liability, but it does not extend to the physical structure of the dwelling itself. The landlord or property owner is responsible for insuring the building, while an HO-4 policy ensures that the renter's belongings are protected against risks like fire, theft, or damage. While renters can benefit from an HO-4 policy for their personal items and liability coverage, the policy does not provide any coverage for the dwelling, reaffirming that it is focused solely on contents within the rented space.