Which homeowners form is most suitable for someone renting half of a duplex?

The most suitable homeowners form for someone renting half of a duplex is the contents broad form, also known as HO-4. This form is specifically designed for renters and provides coverage for personal property within a rented space. It is essential for individuals who do not own the structure but still need protection for their belongings.

HO-4 covers personal property against named perils, offering coverage for damage or loss due to certain risks, such as theft or fire. This type of policy is ideal for renters in duplex scenarios as it is tailored to their needs, unlike forms meant for homeowners or condominium owners, which may involve more extensive coverage related to the building itself.

While other forms like the unit-owners form (HO-6) are designed for condominium owners who have a vested interest in both the unit and common areas, they do not apply to renters. The broad.form (HO-2) and special form (HO-3) are policies for homeowners who own the property and therefore do not align with a renters' situation. Consequently, the contents broad form provides the necessary coverage for personal possessions in a rental scenario effectively.