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

Condominium unit owners require a specific type of homeowners policy that addresses their unique needs, which is why the HO-6 form is correct. This policy is tailored for individuals who own a unit within a condominium or cooperative, providing coverage for the interior of the unit, personal property, and liability. Unlike other homeowners policies, the HO-6 form recognizes that the building structure's exterior and common areas are typically covered by the condominium association's master policy. Thus, it ensures that owners are protected for their personal belongings, improvements made to the unit, and associated liabilities, which are not fully covered under standard homeowners policies designed for single-family homes.

This specialized coverage aligns with the circumstances unique to condominium living, distinguishing the HO-6 from other forms which cater to different residential properties.