Which Home Owner's form is designed to cover damage to a condo owner's property?

The Home Owner's form specifically designed to cover damage to a condo owner's property is the Unit Owner's Form, which is designated as HO-6. This form caters to the unique needs of condominium owners by providing coverage for personal property, as well as the interior dwelling features (like walls and fixtures) that are not typically covered by the condo association's master policy.

Condo owners require a tailored policy because their property structure is often jointly owned with other unit owners. The HO-6 provides essential protection against risks such as theft, fire, or other damages that could affect an individual's unit. It typically also includes liability coverage, which is pertinent for homeowners to protect themselves against potential lawsuits arising from incidents occurring within their unit.

In contrast, the other forms serve different purposes: the HO-4 is intended for renters and covers personal property only, while the HO-3 and HO-5 forms are designed mainly for standard homeowners with different scopes of coverage for the structure. They do not adequately address the specific coverage needs of condominium units as the HO-6 does.