Which aspect of HO-6 distinguishes it from other homeowner forms?

The distinction of the HO-6 policy, also known as the condominium unit-owners insurance, lies in its specific design to provide coverage tailored for individuals who own units within a condominium or similar shared living arrangement. This policy addresses the unique needs of these unit owners by covering personal property within the unit, loss of use, additional living expenses, and certain types of liability. While other homeowner forms, such as HO-3, are designed for single-family homes and cover the entire structure, the HO-6 specifically focuses on what the unit owner is responsible for, including their personal property and certain improvements they may have made to their unit.

This tailored nature is crucial since condo owners do not typically own the entire building but rather their individual units, relying on the master insurance policy of the homeowners association for common areas. Understanding this specific focus helps clarify how the HO-6 differs from other homeowner forms that are structured to cover different types of properties and ownership arrangements.