What form should a condo owner obtain to ensure their personal property is protected against non-excluded events?

The correct choice is to obtain the HO-6 Unit Owner's Form. This specific insurance policy is designed for condominium owners and provides coverage for personal property within the unit and any improvements made to the unit that are not covered by the master policy held by the condo association.

The HO-6 form specifically addresses the needs of condo owners by protecting against property losses for personal items, as well as liability coverage, ensuring that the owner is safeguarded against non-excluded events that may occur within their individual unit. This policy is particularly important in a condominium setting where shared ownership of common areas can create distinct considerations regarding personal versus shared property.

Other options, while useful in their own contexts, do not cater to the specific needs of condo owners. For example, forms like the HO-3 and HO-5 are generally tailored for single-family homeowners and provide broader property coverage that doesn't apply to the unit-specific circumstances faced by condo owners. The HO-4, known as renters insurance, focuses primarily on personal property rentals and typically applies in lease situations, further highlighting why it is not suitable for condominium ownership.