Which HO form is designated for tenants?

The HO-4 form is specifically designed for tenants who are renting their living space. This form provides coverage for personal property owned by the tenant, as well as liability protection. Because tenants do not own the physical structure of the building, the HO-4 does not cover the dwelling itself; rather, it emphasizes protection for the tenant's personal belongings against risks like theft, fire, and certain types of water damage.

In contrast, the other forms mentioned primarily offer coverage for homeowners. The HO-2, for instance, is a broad form policy for homeowners that covers the dwelling and personal property against specific risks. The HO-6 is tailored for condominium owners, providing coverage for personal property and certain improvements made to the unit, while the HO-8 is designed for older homes that may not meet the requirements of more standard policies, typically covering the dwelling at a lower actual cash value rather than replacement cost. Therefore, the distinction lies in the specific needs of tenants versus homeowners, making the HO-4 the appropriate choice for renters.