Which form is primarily focused on protecting contents rather than the structure?

The form that is primarily focused on protecting contents rather than the structure is the HO-4 form. This type of homeowners insurance is specifically designed for renters and provides coverage for personal property within a rented dwelling. Unlike other homeowners policies that cover the building itself, the HO-4 policy offers protection for the insured's belongings, such as furniture, electronics, and personal items, against risks like theft, fire, or vandalism.

This form is essential for renters who want to ensure that their personal possessions are covered, especially since they do not own the physical structure of the property. It also typically includes liability protection, which helps cover legal costs if the insured is responsible for injury or damage to others. In this way, the HO-4 policy addresses the unique needs of individuals living in a rented space where their primary concern is the contents within that space rather than the building itself.

Other forms, such as HO-1, HO-6, and HO-8, serve different purposes. HO-1 provides very basic coverage for homeowners and is rarely used today, while HO-6 is meant for condominiums and covers personal property and some limited structural elements. HO-8 is designed for older homes and focuses on the market value of the structure