Which of the following homeowners policy forms covers condominium unit owners?

The correct answer is C, as the HO-6 policy form is specifically designed for condominium unit owners. This type of homeowners insurance provides coverage for personal property within individual units, as well as for certain losses that may occur to portions of the condominium that the owner is responsible for, such as improvements and alterations made to the unit.

HO-6 policies typically cover personal liability and can also include loss of use if the unit becomes uninhabitable due to a covered loss. They are tailored to address the unique needs of condo owners who live in shared buildings and may not necessarily hold full ownership of the property structure. This targeted coverage is essential for protecting unit owners against the distinct risks associated with condominium living.

In contrast, the other policy forms listed do not cater to condominium unit owners specifically. The HO-2 and HO-8 are designed for homeowners of single-family dwellings, providing coverage for the structure and personal property within the home. The HO-4, also known as renters insurance, is meant for individuals who rent their living space rather than own it, covering personal property and liability but not the dwelling itself. Understanding these distinctions is crucial for identifying the appropriate insurance to meet a condo owner's needs.