Which Homeowners policy form is specifically designed for condominium unit owners?

The Homeowners policy form specifically designed for condominium unit owners is the HO-6. This type of policy addresses the unique needs of condominium owners by providing coverage for personal property within the unit, as well as any improvements or alterations made to the unit. Additionally, the HO-6 policy typically includes liability protection, which is essential for condo owners who share common areas with other residents.

Unlike other homeowners forms, such as the HO-2, HO-4, or HO-8, the HO-6 recognizes that the structure itself is usually covered by the condominium association’s master policy, while the individual owner is responsible for coverage within their unit. This is crucial for ensuring that both personal belongings and modifications to a unit are adequately protected under the right policy framework tailored for condominium living.