Which coverage form is primarily designed for renters?

The coverage form primarily designed for renters is the HO-4. This form, also known as Renters Insurance, provides personal property coverage for individuals who do not own the structure in which they reside. While it covers personal belongings within the rented space, it does not provide coverage for the building itself, as that is the landlord's responsibility.

The HO-4 form also typically includes liability coverage, which protects renters against claims made by others for bodily injury or property damage occurring within the rented premises. It is specifically designed to address the unique needs of renters, as they generally do not require coverage for the physical structure.

In contrast, other forms like the HO-2, HO-3, and HO-5 are tailored more for homeowners, covering not only personal property but also the dwelling itself, thus making them unsuitable for renters seeking insurance for their belongings alone.