What is the homeowners tenants form referred to as?

The homeowners tenants form is indeed referred to as HO-4. This form is specifically designed for renters and provides coverage for personal property and liability, but it does not cover the physical structure of the dwelling, as that is the responsibility of the landlord. The HO-4 policy typically includes coverage for personal belongings, loss of use, and personal liability, making it suitable for tenants who want to protect their personal property and have liability coverage while renting a home or apartment.

In contrast, other forms like the HO-3 and HO-5 are meant for homeowners who own the structure, while the HO-6 is tailored for condominium owners, covering both personal property and specific parts of the dwelling that the owner is responsible for. Therefore, understanding the distinction between these different forms is essential for accurately determining which type of homeowners insurance fits various living situations.