Which form is not applicable to owner-occupants of 1-4 family dwellings?

The reasoning behind identifying the correct form is based on the type of coverage each Homeowners (HO) policy offers, particularly regarding the ownership and occupancy of the dwelling. The HO-6 form is specifically designed for condominium units and is tailored to cover the interior structure and personal property of the unit owner, rather than single-family dwellings.

Owner-occupants of 1-4 family dwellings would typically use forms such as HO-3 or HO-8, which provide comprehensive coverage for single-family homes. The HO-4 is intended for renters, covering personal property and liability for those who do not own the dwelling. Each of these options is directly applicable to owner-occupants or different living situations, but the HO-6 does not apply to owner-occupants of traditional single-family homes, confirming its distinct usage for condo owners instead.