Which policy form is primarily designed to cover tenants living in rented apartments?

The policy form designed specifically for tenants living in rented apartments is the HO-4, commonly known as the Tenants Insurance policy. This type of insurance is tailored for individuals who lease or rent their living space and do not own the structure itself.

The HO-4 provides coverage for personal property and personal liability, which protects tenants against losses from perils such as theft, fire, and vandalism. It also covers additional living expenses in case the rented unit becomes uninhabitable due to a covered loss. This form does not provide coverage for the building itself, as that responsibility falls to the landlord, who typically has a separate insurance policy for the structure.

Other policy forms like the HO-3, HO-2, and HO-6 are designed for different situations. For example, the HO-3 is a homeowners insurance policy for owner-occupied residences, while the HO-2 offers a more limited range of coverage for personal property for those who own their homes. The HO-6 is aimed at condo owners, providing coverage for personal property as well as coverage for alterations or improvements within the unit. However, none of these forms cater specifically to the needs of tenants as the HO-4 does.