What type of Homeowner Form covers fixtures and improvements made at the insured's expense?

The correct choice for the type of Homeowner Form that covers fixtures and improvements made at the insured's expense is the HO-6 policy. This policy is specifically designed for condominium units and provides coverage for personal property as well as improvements and alterations that the policyholder has made to their unit.

HO-6 policies recognize that condominium owners often make upgrades and modifications to their living spaces, and it includes coverage for these enhancements that would not usually be covered under standard homeowners policies. This makes it distinct from other homeowner forms such as HO-2, which primarily covers named perils, or HO-3, which offers more comprehensive coverage for the structure but does not focus on individual unit improvements. The HO-4 form is designed for renters and does not provide coverage for fixtures or improvements to property they do not own.

Thus, the HO-6 policy’s specific emphasis on covering improvements makes it the appropriate choice in this scenario.