Which homeowners form is specifically intended for individuals that own and reside in a condominium?

The HO-6 homeowners insurance form is specifically designed for individuals who own and reside in a condominium. This form addresses the unique coverage needs of condominium owners, recognizing that while the owner holds title to their unit, common areas are managed by a homeowners association. The HO-6 policy typically provides coverage for the interior structure of the unit, personal property, and liability, while also allowing the owner to complement what is covered by the association's master policy.

In the context of other forms, the HO-3 is a standard homeowners policy that covers single-family homes, while the HO-5 offers more expansive coverage, also geared toward homeowners, but not specific to condominiums. The HO-4 form is designed for renters, covering personal property and liability but not the structure itself, which is not applicable for condo owners who may need to cover the interior parts of their units. This clarity in coverage makes the HO-6 the appropriate choice for condominium owners.