Condo Insurance: Miami FL 33145-3809

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Insurance Tip - HO-4 (Contents Broad Form) is a modified HO-2 policy for renters of apartments and houses. This named-perils policy covers personal property and both the rented dwelling and the outside. It also includes liability insurance of $100,000 for damage to the property and for injuries to other people in the rented dwelling. Coverage is provided for alterations to the structure by the renter, but is limited to 10% of the purchased coverage for personal property.

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