Which of the following homeowners forms would be best for a person renting half a duplex?

The HO-4 form, also known as renters insurance, is specifically designed for individuals who are renting a dwelling, such as an apartment or a portion of a duplex. It provides coverage for personal property, liability protection, and additional living expenses in the event that the rented space becomes uninhabitable due to a covered loss.

In the case of a person renting half of a duplex, the HO-4 form is ideal because the tenant does not own the physical structure of the duplex. Instead, the renter would need coverage for their belongings and any liability that may arise while living in the rental unit. Other homeowners forms, like the HO-1, HO-3, and HO-6, are meant for homeowners or condominium owners and wouldn’t properly address the needs of a renter. This context reinforces why the HO-4 is the correct choice for someone in this specific living situation.