A couple has purchased a condominium. Which policy would they likely use to insure their dwelling?

When a couple purchases a condominium, they would typically use the HO-6 policy to insure their dwelling. The HO-6, also known as a condo insurance policy, is specifically designed for owners of condominiums. It provides coverage for the interior of the unit, including improvements and alterations made to the living space, and protects the owner's personal property within that unit.

Condominium associations usually have a master policy that covers the building's common areas and the exterior structure, but individual owners must obtain their own coverage for the parts of the condo they own. The HO-6 policy helps fill this gap by covering the interior of the unit as well as personal liability issues. This is key for condo owners, as their ownership typically does not extend to the building's exterior.

In contrast, other homeowner policies like HO-2 and HO-5 are geared toward single-family homes, and the HO-4 is aimed at renters, covering personal property only without any dwelling coverage. Therefore, the specifics of the condominium insurance make the HO-6 the most appropriate choice for the couple in this scenario.