What HO form covers condominium unit owners?

• A. HO-4
• B. HO-6
• C. HO-3
• D. HO-2

Answer: (B)

Condominium unit owners are best served by the unit-owners form because it is designed to cover the interior of a condo unit and the owner's personal property, while acknowledging that the condo association's master policy handles the building exterior and shared areas. This form provides coverage for the unit’s interior (including improvements and betterments), personal property, liability, and often loss assessments charged by the HOA for insured perils. Other forms fit different living arrangements: renters use a policy that covers belongings but not a dwelling, while the standard homeowners forms are for single-family homes or other structures, and the one for older homes has its own specialized terms. So the condo unit owner needs the HO-6 form.