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<blockquote data-quote="inactive" data-source="post: 1540784" data-attributes="member: 7488">This.&nbsp; The Renter&#039;s Insurance is an HO-4 so the limits may be a bit different, but the premise should be the same (coverage exists under contents).&nbsp; That said, I am an auto guy so my knowledge on HO and DP is getting a bit thin.Also worth noting that, in order to save costs on policies in Oklahoma (as we are a terrible place to write homeowner&#039;s insurance), many policies are now offered at a lower premium as a &quot;non-standard,&quot; meaning they do not follow the typical ISO policy language and are more restrictive in what they cover.&nbsp; There are more restrictions on what is covered on contents (i.e. more documentation needed), and higher deductibles for hail and wind damages on the structure (especially the roof).&nbsp; So it&#039;s worth getting out the policy and reading it, and going over any specific questions with your agent (don&#039;e expect them to know everything off the top of their head, so be specific and make them get detailed answers from the claims department if there is any uncertainty).</blockquote>

[QUOTE="inactive, post: 1540784, member: 7488"] This. The Renter's Insurance is an HO-4 so the limits may be a bit different, but the premise should be the same (coverage exists under contents). That said, I am an auto guy so my knowledge on HO and DP is getting a bit thin. Also worth noting that, in order to save costs on policies in Oklahoma (as we are a terrible place to write homeowner's insurance), many policies are now offered at a lower premium as a "non-standard," meaning they do not follow the typical ISO policy language and are more restrictive in what they cover. There are more restrictions on what is covered on contents (i.e. more documentation needed), and higher deductibles for hail and wind damages on the structure (especially the roof). So it's worth getting out the policy and reading it, and going over any specific questions with your agent (don'e expect them to know everything off the top of their head, so be specific and make them get detailed answers from the claims department if there is any uncertainty). [/QUOTE]

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