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Included, Optional Coverage, Discounts

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HO-4 Policy Contract

Personal Property, Special Limits, Loss of Use, Personal Liability, Medical Payments, Additional Coverage, Other Highlights, Available Deductibles

Personal Property 

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  • Covers personal property anywhere in the world.
  • Covers other people’s property inside the residence even if they are a temporary guest.
  • 10% of personal property coverage for items at other residences ($1,000 minimum). This does not apply if it is at the premises while the primary premises is being repaired. Covered at a newly acquired residence up to 30 days.
  • Actual Cash Value

Covered Perils:

  • Fire or Lighting
  • Windstorm or hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft Includes Spacecraft.
  • Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Falling Objects
  • Weight of Ice, snow or sleet
  • Accidental Discharge or Overflow of Water or Steam. Damaged appliance or pipe will not be replaced.
  • Sudden and accidental tearing apart Cracking, Burning or Bulging
  • Freezing
  • Sudden and Accidental Damage from Artificially Generated Electrical Current.
  • Volcanic Eruption.

Property not Covered:

  • Property already insured (Scheduled, under blanket, ETC.)
  • Animals
  • Motor Vehicles (does not include non-street worthy vehicles used on the residence.)
  • Aircraft or Hovercraft
  • Property of roomers, boarders and other tenants unless they are related to the insured.
  • Business Data.
  • Credit Cards.
  • Water or Steam.


  • Earth Movement
  • Flood (Including back up of sewers or drains.)
  • Power Failure
  • Neglect
  • War
  • Nuclear Hazard
  • Intentional Loss
  • Governmental Action
  • Fungi (That was not caused by a covered peril)

Special Limits 

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Personal Property Special Limit in Form Maximum Limit
Jewelry, Watches, and Furs (Theft) $1,500 $6,500
Money $200 $1,000
Securities $1,500 $3,000
Silverware, Goldware, and Pewterware (Theft) $2,500 $10,000
Electronic Apparatus in or upon a motor vehicle $1,500 $6,000
Tapes, records, discs or other media in or upon a motor vehicle $250 $500
Personal Property on Watercraft $1,500 N/A
Personal Property on Trailers $1,500 N/A
Firearms (Theft) $2,500 N/A
Business Property $5,000 on

$1,500 away

Limit of property at other residences (Does not include property being repaired. Does not include property bought within 30 days) $1000 $1,500

Loss of Use

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  • Covers additional living expenses while the home is being repaired and if it is unlivable.
  • This can also cover fair rental value if you are losing rent due to a covered loss.

Personal Liability 

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  • Pays for damages the insured is legally liable to pay.
  • Provides defense at Traveler’s expense in court no matter what.
  • Up to $500,000 in liability available.

Additional Coverage:

  • Claims expenses
  • First aid expenses
  • Up to $1,000 for damage to another person’s property.
  • Loss Assessment


  • Intentional
  • Caused by War
  • Caused by a motor vehicle

Medical Payments

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  • Pays for the medical expenses you are legally liable to pay.
  • Within three years of the date of the accident.

Additional Coverage

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  • Debris Removal
  • Tree Removal. Up to $1,000.
  • Reasonable Repairs.
  • Trees, Shrubs and Other Plants. Perils insured against: Fire or Lightning, explosion, riot or civil commotion, Aircraft, vehicles not owned by the insured, vandalism or malicious mischief, or theft.
  • Fire Department Service Charge. Up to $500.
  • Property removed up to 30 days.
  • Credit card, EFT Card, Forgery and Counterfeit Money. Up to $1,000.
  • Loss Assessment up to $1,000.
  • This means an abrupt falling down or carving in a of a building or any part of a building.
  • Glass or Safety Glazing Material.
  • Landlord’s Furnishings, up to $2,500 for appliances.
  • Ordinance or Law up to 10%.
  • Grave Markers up to $5,000.
  • Refrigerated products up to $500.
  • Inflation Coverage. This will adjust the rates at each renewal to keep up with cost of materials.
  • Limited “Fungi”, Other Microbes or Rot. Covered loss must result in Fungi issue.

Other Highlights 

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  • Online Services available. Phone app included.

Available Deductibles 

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  • Wind/Hail: 1%, 2%, 3%, 4%, 5%, and 10%.
  • All Peril: $500, $1000, $1500, $2500, $3500, $5000, $10000, $25000, $50000. 1%, 2%, 3%, 4%, 5%, and 10%.

Optional Coverage

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Valuable Items Plus (HO-61)
  • Adds blanket coverage for jewelry, furs, computers, fine arts, guns can be added up to $50,000 total.
  • Cameras, musical instruments, silverware, china/crystal can be added up to $10,000 total.
  • Will pay up to $10,000 for each item.
  • No deductible.
Enhanced Home Package (HO-85) Changes Limits and adds coverage to HO-2, HO-3, HO-5, HO-4, and HO-6.

  • Adds personal injury
  • Money coverage increased by $100
  • Securities increased by $1,500
  • Watercraft increased by $1,500
  • Jewelry increased by $1,500
  • Silverware increased by $1,500
  • Business property increased by $500
  • Property away from premises increased by $250
  • Electronic apparatus on vehicle increased by $500
  • Tapes, records, and discs or other media increased by $250
  • Adds lock replacement coverage up to $250
  • Adds $250 for rewards given to people for stolen items.
  • Adds water backup and sump discharge or overflow up to coverage A and C.
  • Fire department service charge increased by $250
  • Credit card, fund transfer card, forgery, and counterfeit money increased by $1,500
  • Loss Assessment increased by $4,000
Identity Fraud Expense (HO-455)
  • Reimburses up to $25,000 for expenses that are the direct result of identity fraud.
  • No deductible.
Permitted Incidental Occupancies- Residence Premises (HO-42)
  • Changes the personal property coverage for business property to $5,000.
  • Medical payments will not apply to employees.
Permitted Incidental Occupancies- Other Residence (HO-43)
  • Changes the personal property coverage for business property to $5,000.
  • Medical payments will not apply to employees.
Personal Injury (HO-82
  • Adds liability coverage for personal injury (False arrest, malicious prosecution, slander).
Loss Assessment Coverage (HO-35)
  • Included in this policy at $1,000.
  • Adds coverage for areas owned by neighborhoods or homeowner’s associations that is assessed to you.
  • Can be added up to $50,000.
Green Home (HO-544)
  • Confirms that the home is considered a green home and that the materials used to rebuild the home will be green materials.
Residence Held in Trust (HO-543)
  • Adds the name of the trust if the residence is held in one.
Actual Cash Value Loss Settlement – Roof (HO-493)
  • Change the roof settlement to ACV for a reduced premium.
Assisted Living Care Coverage (HO-459)
  • Provides liability coverage for a family member that is in an assisted living facility.
Building Additions and Alterations Other Residence (HO-46)
  • Covers additions and alterations of other residences owned by the insured.
Building Ordinance or Law Coverage – Increased Limits
  • Provides coverage for any loss due to construction, repair, demolition or zoning of the dwelling. Up to 15%.
Business Property Increased Limits (HO-146)
  • Adds property coverage for business property stored on the premises.
Credit Card, Funds Transfer Card, Forgery and Counterfeit
  • Adds coverage for financial losses due directly to forgery and counterfeit.
  • Limits: 2500,5000, 7500,10000.
Dwelling under Construction Coverage (HO-102)
  • Will provide coverage to the dwelling while it is under construction up to one year in advance. Builders risk endorsement.
Earthquake (HO-54)
  • Provides coverage for earthquake damage at a special deductible. Can exclude and include masonry veneer.
  • Available deductibles: 10%, 15%, 20%, 25%.
Farmers Personal Liability (HO-210)
  • Extends liability coverage to farms.
Foundation Coverage (HO-468)
  • Provides coverage for damage to foundation. Up to $25,000.
Functional Replacement Cost Loss Settlement (HO-825)
  • Loss settlement will use cheaper materials to rebuild the home.
  • Will decrease premium.
Increased Special Limits
  • Jewelry, Watches and Furs up to $6,500
  • Money up to $1,000
  • Securities up to $1,500
  • Silverware, Goldware and Pewterware up to $10,000
  • Electronic Apparatus in or upon a motor vehicle $1,500
  • Tapes, records, discs or other media in or upon a motor vehicle up to $500
Loss Assessment Earthquake (HO-36)
  • Adds loss assessment coverage for losses due to earthquakes.
Modified Loss Settlement (HO-530)
  • Losses will be paid out at the actual amount it cost to repair.
  • Will lower premium.
  • Cannot be written with Functional replacement cost.
Motorized Golf Cart Coverage (HO-28)
  • Extends coverage to golf carts on the premises. $250 deductible applies. The most that will be paid for one loss is $5,000.
Other Members of Your Household (HO-458)
  • Lists the other members in the household who are not an insured or tenant.
Personal Liability Umbrella Supplement (58200 TX)
  • Adds excess liability to the policy. Maximum limit is $10,000,000.
Replacement Cost Loss Settlement for Certain Non-Building Structures (HO-433)
  • Adds replacement cost for non-structures (Walls, driveways, non-wood patios.)
Residence Glass Coverage (HO-105)
  • Provides coverage for glass that is not scheduled.
Special Coverage on Personal Property (HO-15)
  • Changes the coverage and exclusions for personal property.
  • Jewelry covered for being misplaced.
  • Firearms covered for being misplaced.
  • Silverware covered for being misplaced.
Student Away from Residence Premises (HO-311)
  • Adds section 1 and section 2 coverage for a resident who is away at school. Must have lived at the home before moving away to college.
Water Backup of Sewers Or Drains (HO-208)
  • Adds coverage for damage due to water back up.
  • Available limits: $5,000/$10,000/$15,000.
  • Additional discount if you have sump pump.
  • No deductible.
Watercraft Hull Coverage (HO-76)
  • Extends property coverage to watercraft on premises. Watercraft cannot be longer than 26 feet length.
  • No deductible applies for this coverage.
  • Not covered while away from premises.


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Protection Devices Fire

  • Fire extinguisher, smoke alarm, local fire alarm, central fire alarm, direct fire alarm, partial sprinkler system, full sprinkler system.


  • Deadbolts, local burglar alarm, central burglar alarm (Certification required), direct burglar alarm (Certification required), 24-Hour Security Guard.
Hail resistant roof
  • Will provide a credit if the roof is hail resistant. Certification is required. Damage to roof by hail excluded from the policy.
Age of Roof
  • The younger the roof the bigger the discount.
Green Discount
  • The discount is available for a residence that has received the Leadership in Energy and Environmental Design (LEED) certificate.
Loss Free Discount
  • Available if you are loss free for three years.
Home Buyer Discount
  • Available if you just purchased the home on or 12 months before the effective date.
Early Quote Discount
  • Available if the effective date is in the future. The farther out the bigger the discount.


Multi-Policy Discount
  • Available if you have any other policies with Travelers.

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