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There are several types of residential insurance plans and ways to customize them depending on your location, type of residence, and possessions. You should contact an insurance agent and explain your living situation and what you would like to insure. There are different plans for renters living in apartment and houses (HO-4) then people who live in or rent a condo (HO-6). You should contact two or three insurance agents to get estimates for renter's insurance coverage that fits your needs.