Which Homeowner Form covers fixtures, installations, and improvements made or acquired at the insured’s expense?HO-6HO-5HO-4HO-2
HO-4
The Homeowner Form that covers fixtures, installations, and improvements made or acquired at the insured’s expense is Homeowner Form HO-4 (Contents Broad Form) or HO-6 (Unit-owners Form).
HO-4 is designed for tenants and renters, and covers personal property and liability, but not the physical structure of the rented property. It provides coverage for personal property and contents, including fixtures, installations, and improvements made or acquired at the insured’s expense.
HO-6 is designed for owners of condominium units or cooperative apartments, and provides coverage for the inside of the unit, as well as personal property, liability, and loss of use. It covers fixtures, installations, and improvements made or acquired at the insured’s expense within the walls of the unit.
So, if you are a renter, HO-4 will include coverage for your personal property and any fixtures, installations, or improvements you have made to the rented property. If you are a condominium owner, HO-6 will cover any improvements made to the interior of your unit.
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