Which homeowner coverage forms are available through Citizens Property Insurance Corporation?

Citizens Property Insurance Corporation offers a range of homeowner coverage forms that cater to different needs. The correct choice includes HO-3, HO-4, HO-6, and HO-8.

HO-3 is the most common form for standard homeowners insurance, providing coverage for the dwelling and personal property on an "all-risks" basis, meaning it covers risks except those specifically excluded in the policy.

HO-4, also known as renter's insurance, is designed for tenants, covering personal property and liability but not the structure of the dwelling itself, as that is typically the landlord’s responsibility.

HO-6 offers coverage for condominium owners. It covers personal property and also provides some coverage for the interior of the condo unit, which is often not covered by the condo association’s master policy.

HO-8 is specifically designed for older homes where the replacement cost is much higher than the market value. It offers limited coverage to meet the unique needs of homes that might not conform to standard insurance forms.

These forms reflect the variety of coverage options tailored to the distinct needs of homeowners, renters, and condo owners, offering suitable protection against various perils.