{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Renters Insurance and HO-4 in California: What a Renter Policy Is For","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/7f4991d4\"></iframe>","width":"100%","height":180,"duration":1318,"description":"Your landlord has insurance on the building. Does that cover your furniture, clothes, laptop, and liability if someone gets hurt in your apartment, or do you need your own HO-4?\nAaron Bollinger of Bollinsure Insurance Services explains what renters insurance and HO-4 policies are generally for in California, how contents, personal liability, and loss of use fit together, how that differs from a landlord dwelling policy, and why a lease insurance minimum is a floor, not a coverage plan.\nWhat we cover:\n\nWhat HO-4 means and the three jobs of a renter policy: contents, liability, and loss of use\nWhy the landlord's policy usually does not cover a tenant's belongings\nReplacement cost vs actual cash value, and the special limits that catch people off guard\nLease insurance minimums vs what you actually need\nExamples: a Long Beach kitchen fire, a guest injury, a break-in, and a dog in a rented unit\nDeductibles and common renter mix-ups, including roommates\nResources:\n\nAll Speaking of Insurance episodes\nRead the guide: Renters insurance and HO-4 in California\nGet quoted: Compare coverage options with Bollinsure Insurance Services at www.bollinsure.com/quote, or call 562-268-9355.\nThis episode is for general education only and is not legal, tax, or coverage advice. Coverage, eligibility, and pricing depend on the carrier, underwriting, and your policy terms.\nChapters\n\n00:00 Cold open and welcome\n00:57 HO-4 and the three jobs of a renter policy\n02:50 Landlord policy vs tenant contents\n04:04 Lane one: personal property, replacement cost vs ACV\n05:51 Lane two: personal liability\n06:25 Lane three: loss of use\n08:15 Lease minimums vs what you actually need\n09:36 Special limits and high-value items\n11:27 Example: Long Beach kitchen fire\n12:52 Example: liability claim in your unit\n14:19 Example: apartment theft and sublimits\n16:07 Example: a dog in a rented unit\n17:52 Deductibles\n18:51 Common renter mix-ups\n20:13 Getting help and sign-off\nTranscript excerpt\nA lot of California...","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}