Which homeowners policy provides coverage specifically for condominium unit owners?

The homeowners policy that specifically provides coverage for condominium unit owners is the HO-6 policy. This type of policy is tailored to meet the needs of individuals who own units in a condominium complex. Unlike other homeowners policies, the HO-6 covers personal property within the unit and may also include coverage for improvements made to the unit, as well as liability protection. This tailored coverage recognizes that condominium owners are not responsible for the structural elements of the building, which are typically covered by the condominium association's master policy.

In contrast, the other types of homeowners policies cater to different situations. The HO-3 policy is designed primarily for single-family home owners, and the HO-4 is structured for renters, covering personal property and liability without addressing the structural elements of a home. The HO-8 policy is geared towards older homes where the replacement cost may not be practical due to the age or condition of the structure. Thus, for condominium unit owners, the HO-6 policy is the most appropriate option, providing the necessary coverage for their specific circumstances.