What homeowners insurance form is appropriate for renters like Marilyn and Dan who need coverage for personal property and liability?

The appropriate homeowners insurance form for renters like Marilyn and Dan is the Contents Broad Form, which is specifically designed for individuals who do not own the structure in which they reside but need to protect their personal belongings and provide liability coverage.

This form covers personal property against a wide range of risks, providing protection for items like furniture, clothing, and electronics. It also includes liability coverage, which is essential for renters in case of accidents that occur in their rental unit, such as someone getting injured on the premises.

The other forms mentioned do not suit the needs of renters. For instance, the Unit-Owners Form is tailored for condominium owners who need coverage for both their unit and personal property. The Special Form is intended for homeowners who own their residence and covers both the dwelling and personal property against a comprehensive list of perils. The Modified Coverage Form is also beneficial for specific situations but is generally aimed at homes with unique features or less comprehensive needs, and is therefore not suitable for renters who need broad protection for their belongings and liability.