Which of the following types of coverage would an HO-4 policy typically not include?

An HO-4 policy, also known as renters insurance, is designed specifically for tenants residing in rental properties. This type of policy does not provide coverage for the physical structure of the building itself—this is often referred to as "building coverage" or "dwelling coverage."

The primary focus of an HO-4 policy is on personal property coverage, which protects the tenant's own belongings against perils like fire or theft. Liability coverage is also included to protect the tenant against claims arising from bodily injury or property damage they may cause to others. Additionally, loss of use coverage is typically part of the policy, which could cover living expenses if the rented home becomes uninhabitable due to a covered event.

However, since tenants do not own the property they are renting, they are not responsible for insuring the building’s structure. That responsibility lies with the landlord, who maintains the appropriate insurance coverage, making building coverage the aspect that an HO-4 policy specifically does not include.