Which Home Owner's form protects a tenant's property against multiple specific risks such as theft and vandalism?

The HO-4 Contents Broad Form is specifically designed for tenants or renters. It provides coverage for personal property against various risks, including theft and vandalism. This form recognizes that tenants do not have a financial interest in the structure itself but rather need protection for their belongings within a rented space. The policy typically covers personal property for a broad range of named perils, ensuring tenants are safeguarded against loss or damage to their possessions.

This coverage distinguishes it from other forms such as the HO-3, which is meant for homeowners and mainly covers the dwelling and other structures; the HO-6, which is tailored for condominium unit owners, often covering both personal property and certain parts of the dwelling; and the HO-5, which offers more extensive coverage for homeowners but still primarily focuses on the physical structure and its enhancements rather than the needs of tenants. Thus, the HO-4 is particularly suited for addressing the unique risks faced by tenants.