Florida Person Lines Practice Exam

The homeowners policy form that is typically associated with tenants is the HO-4. This policy, commonly referred to as a "Tenant's" or "Renters" insurance policy, provides coverage for personal property and liability protection for individuals who do not own the dwelling they live in but instead rent it.

The HO-4 form ensures that tenants are protected against risks such as theft, fire, or certain types of water damage affecting their personal belongings within a rented space. Additionally, it often includes liability coverage should someone sustain injuries while on the tenant's premises or if the tenant inadvertently damages someone else’s property.

In contrast, forms like HO-1 and HO-3 are designed for homeowners who own the property they occupy. The HO-1 is a basic form offering limited peril coverage, while the HO-3 provides broader coverage for the structure and personal belongings as well. The HO-6 is specifically for condominium unit owners, covering personal property and certain types of liability for individuals who own a condo. Therefore, these other forms do not apply to tenants, making the HO-4 the correct choice for this scenario.