What type of home insurance policy would cover a tenant's improvements and alterations to the premises?

The HO 6 Unit-Owners Form is specifically designed for condominium owners and tenants. It offers coverage for improvements and alterations made to the unit, which is crucial for tenants who have made enhancements to their living space. This policy recognizes that tenants often invest in upgrades such as new countertops, flooring, or built-in fixtures that may not be covered by the landlord’s insurance.

In contrast, while the HO 3 Special Form provides comprehensive coverage for the contents and certain structures, it does not specifically address tenant improvements. The HO 4 Contents Broad Form is intended for renters and focuses primarily on personal property but does not include coverage for improvements made to the rented unit. The HO 8 Modified Coverage Form offers limited and specific coverage for older homes, which is also not relevant to tenant improvements or alterations.

Therefore, the HO 6 is the most suitable choice for addressing a tenant’s modifications, as it specifically provides protection for these types of investments made in the dwelling.