South Carolina Personal Lines Practice Exam

Which HO form combines dwelling and other structures coverage?

1. HO-2

2. HO-6

3. HO-8

4. HO-5

The correct answer is: HO-6

The homeowners form that combines dwelling and other structures coverage is identified as the HO-6. This form is specifically tailored for condominium unit owners and provides coverage for the interior of the unit, personal property, and improvements made to the unit. Unlike other forms, which may focus more on the dwelling itself or have limitations regarding other structures, the HO-6 includes provisions for coverage that addresses both the interior and other structures associated with the condominium. This makes the HO-6 particularly versatile for homeowners who are part of a condo association, ensuring that they have adequate protection for their individual unit while also considering related structures. Understanding these coverages is essential for homeowners to make informed decisions about their insurance needs, especially in unique living situations like condominium ownership.