Texas All Lines Adjuster Practice Test

What is covered under the HO Form 6?

1. Personal property only

2. Condos or unit owner's property and surface structure

3. All-peril coverage for tenants

4. Liability for premises rented to others

The correct answer is: Condos or unit owner's property and surface structure

The HO Form 6, known as the Unit-Owners Form, is specifically designed for condominium owners and provides coverage for property and liability issues related to the condominium unit itself. This form covers not just personal property but also the structural elements within the unit that are specific to ownership, such as interior walls, plumbing, and fixtures. This coverage is crucial for condo owners who need to ensure that their investments are protected from various risks, including theft, fire, or other damages that could affect their individual units. By acknowledging that HO Form 6 includes both the unit owner's property and the surface structure, it becomes clear that this form goes beyond just personal property to encompass broader coverage suitable for condominium living. Thus, it accurately reflects the needs of condo owners, who may not have full control over the entire structure but are responsible for their own units and belongings.