Which Homeowner Form covers fixtures and improvements made at the insured's expense?

The HO-6 form, also known as the Condominium Unit Owners Policy, is specifically designed to cover personal property, as well as fixtures and improvements made at the insured's expense within a condominium unit. This is an important aspect of the policy because, in a condominium setting, the unit owner is typically responsible for the interior of their unit, including any enhancements or upgrades made after purchase.

The coverage under the HO-6 form extends to improvements to floors, walls, and any customizations that may not be covered by the condominium association's master policy. This distinction is crucial because it allows unit owners to protect their investment in personal property and associated improvements, which may not be adequately covered under broader HOA insurance.

In contrast, the other homeowner forms serve different purposes. For instance, the HO-2 and HO-5 forms are more oriented towards traditional single-family homes and may not address the specific needs of condominium owners regarding their personal improvements. The HO-4 form, or Tenants Policy, is meant for renters and focuses on personal property within a rented space, thus lacking coverage for improvements made by the insured.