The number of people who rent rather than own homes is on the rise, due to a variety of economic and social factors. Unless a lease requires it, most tenants are not legally or contractually compelled to carry insurance, and too many do not even consider it. Going without insurance is risky, something too many tenants discover only after most of their worldly property has been destroyed.

This course examines the insurance needs and the insurance coverages available to residential tenants of all kinds-people who live in houses, apartment buildings, dormitory rooms, fraternity or sorority housing, retirement communities, assisted-living facilities, and other structures that as tenants they do not own. It also explains the new HO 14 form introduced in 2022.