What type of homeowner coverage is meant for residents with a condominium as a secondary residence?

The HO 6 Unit-Owners Form is specifically designed for condominium owners, providing coverage for personal property, improvements, and betterments within the unit that are not covered by the condominium association's master policy. This form addresses the unique needs of individuals who own a unit in a multi-family building while living in it as a secondary residence. It offers liability coverage and protection against specific perils, ensuring that the owner’s personal belongings and any upgrades made to the unit are adequately insured.

In contrast, the other homeowners’ insurance forms listed do not cater specifically to condominium occupants. The HO 3 Special Form is generally for primary single-family home owners, addressing broader structural coverage. The HO 4 Tenants Form provides coverage for renters and does not include dwelling coverage, which is not applicable for condominium owners. The HO 5 Comprehensive Form offers extensive coverage for single-family homes but lacks the tailored provisions necessary for condominiums. Thus, the HO 6 is the most appropriate choice for those with a secondary condominium residence.