What form would a condominium unit owner use for coverage?

A condominium unit owner would use the HO-6 form for coverage. This specialized homeowners insurance policy is tailored for individuals who own a unit in a condominium. The HO-6 policy provides property coverage for personal belongings within the unit, as well as improvements and betterments made to the unit itself. Additionally, it covers personal liability, ensuring that the homeowner is protected against lawsuits or claims for injuries that occur within the unit.

The HO-6 policy recognizes the unique structure of condominiums, which typically involve shared common areas and may have a master insurance policy in place that covers the building as a whole. This is why the coverage in an HO-6 is specific to the individual unit and the personal property therein, rather than the structure itself, which is often covered by the condominium association's master policy.

In contrast, the other forms have different applications: the HO-4 is designed for renters, the HO-3 is a standard homeowners policy for single-family homes, and the HO-5 provides broader coverage than the HO-3, but is also intended for single-family residences. Thus, for a condominium unit owner, the HO-6 is the most suitable and accurate form for coverage needs.