What type of coverage is available for structural alterations made at the renter's expense for HO-4 and HO-6?

The "Building Additions and Alterations" coverage is specifically designed to protect the investments made by renters in a rental dwelling when they make structural modifications at their own expense. This type of coverage applies to tenants who reside in condominiums (HO-6) or in tenants' policies (HO-4), which specifically cater to renters who may want to personalize or improve their living spaces.

For HO-4 and HO-6 policyholders, such coverage typically includes enhancements like building walls, fixtures, or other permanent installations that they may add to the property. This protection is crucial as it ensures that the financial investments the renters have made in improving their living conditions are covered in the event of a loss.

Other types of coverage, such as "Collapse and Glass Breakage," "Landlord Furnishings," and "Tree Coverage," cater to different scenarios and do not specifically address the structural alterations made by tenants. Each of these alternative options serves distinct insurance needs that do not provide the same protection for renters enhancing their rented spaces.