What HO policy form is known as contents broad form?

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

Answer: (B)

Contents broad form is the renters policy form used to insure a tenant’s personal property. The defining feature is that the tenant’s belongings are covered on named perils (a broad set of specified risks), rather than on an open-perils basis. This form is designed for someone who does not own the dwelling, so there is no coverage for the building itself—just the personal property and liability. Other HO forms are designed for different situations: some insure the dwelling as well as contents, some are for condo owners, and some use different coverage combinations. In the context of renters insurance, the one that fits "contents broad form" is the form used for personal property protection on named perils.