Residential Renters Insurance: Exposures and Coverages - CLEQ


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.

Learning Objectives

Upon successful completion of this course, students will be able to

  • explain why residential tenants need renters insurance (HO 4 or HO 14) and identify popular misconceptions about renters insurance
  • describe the property and liability coverages of a renters policies (HO 4 and HO 14) and determine what types of losses are/are not covered
  • identify and explain the exclusions and conditions in a renters policy (HO 4)
  • explain how various endorsements to the renters policies can address the insurance needs of those who face a number of different special situations

Designed For

PC producers; adjusters
International Risk Management Institute, Inc. (IRMI) is the premier provider of risk and insurance continuing education and reference publications, and is considered the ultimate authority by leading insurance practitioners. Written by industry experts, IRMI courses provide the most up-to-date, practical and reliable information possible.

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