Which Homeowners form is intended for tenants living in an apartment?

The homeowners form designed specifically for tenants living in an apartment is the HO-4. This policy, also known as Renter's Insurance, provides coverage for personal property against various risks such as theft, fire, and vandalism. It is tailored to meet the needs of renters who do not own the dwelling itself but need protection for their personal belongings and liability coverage in case of accidents that occur in their rented space.

In contrast, the other forms are intended for homeowners or specific types of residential properties. For example, the HO-2 and HO-3 forms are designed for owner-occupied homes, providing extensive coverage for both the dwelling and personal property, while the HO-5 offers even more comprehensive protection, often including open perils coverage for personal belongings. None of these forms cater specifically to the needs of tenants, making the HO-4 the appropriate choice.