Residential Renters Insurance -- CLEQ


The number of people who rent rather than own is on the rise, thanks to a variety of economic and social factors. Many of these people are uninsured and offer an opportunity to gain clients and customer loyalty. To tap into this market, agents must understand the exposures and insurance needs of residential tenants of all kinds—people who live in houses, apartment buildings, dormitory rooms, fraternity or sorority housing, assisted-living facilities, and other structures that they do not own—and the insurance coverages available to properly insure them.

Learning Objectives

Students who successfully complete this course will be able to:

  • identify various loss exposures associated with renters
  • describe the property and liability coverages of a renters policy (HO 4) and what types of property losses are and are not covered
  • identify and describe the causes of loss (perils) covered by a standard renters policy (HO 4)
  • explain how various endorsements to the renters policy (HO 4) and/or other techniques can address the insurance needs of those who face a number of different special situations

Designed for

Property and casualty insurance agents, brokers, and adjusters at any level in their career

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