Ace the North Carolina Adjuster Exam 2025 – Adjust and Triumph with Confidence!

The HO-4 policy, also known as the tenants or renters insurance policy, primarily covers personal property that the insured owns within a rented space. This includes belongings such as furniture, electronics, and clothing. In the context of a windstorm, the personal property of a guest would be protected under Ben's HO-4 policy as it usually extends coverage to personal items that are within the insured premises, regardless of ownership, in the event of a covered peril like wind damage.

Coverage under an HO-4 policy does not extend to the structure of the rented house itself, as that would usually be the responsibility of the landlord's insurance. Also, the damage to a carport that Ben built could fall under a different category, potentially requiring different coverage. Damage to a neighbor's tree is typically not covered under a renter's policy either, since it concerns property that Ben does not own and is outside the scope of personal property coverage. Therefore, the only option that aligns with the coverage provided by an HO-4 policy during a windstorm is the personal property of a guest.