HO-4 or Ho-14 Helping Insureds Decide


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ISO’s “new” HO-14: Contents Comprehensive Form, was designed for renters of homes, condos, co-ops, or apartments. Such tenants can now choose between traditional HO-4: Contents Broad form (HO 00 04) or an HO-14: Contents Comprehensive form (HO00 14). Just do not let the forms’ titles fool you! The HO-14 provides both coverage benefits and disadvantages. This program highlights the broadening and reduction of coverage provided by the HO-14 when compared to the “old” HO-4.