Insurance Coverage
HG4 Home Guard Contents Broad Form
The HG4 is a popular policy for those renting an apartment or dwelling and also for that college student living away from home. While many homeowner policies extend coverage for that college student, as a homeowner you really should determine whether you want to risk that claim free discount on your home to cover the risk of your college student in the dorm. It is always best to keep this risk separate in order to keep your homeowner policy risk where it belongs, at home. The cost of this policy is so reasonable that it's in every renter's best interest to have one. This policy also carries identity theft coverage, which is a real concern for everyone. Contact one of our agents for more information regarding this coverage.
