ok I figured that question out. but what seems I'm having hard time on is the
Forms. a simple chart would have done, so my question are in red




The HO2 policy is not commonly sold in the marketplace. It covers the dwelling and personal property for Broad Form perils. (does this mean HO2 does not cover B)other structures D)loss of use and both E and F?)



The HO3 policy provides the next broadest coverage and it is the most common policy sold to single-family homeowners. It also covers a residence with 1-4 family units if the insured lives on the premises. A HO3 policy includes Coverages A-F.



The HO4 policy is designed to meet the needs of renters. Since the insured does not own the property, the HO4 policy does not provide dwelling coverage. It does provide coverage for personal property and liability. (does this mean HO4 only covers C and E?)



The HO5 policy provides the broadest coverage because it insures both the dwelling and contents of the property for "all-risks." This policy is not commonly sold in the personal lines insurance industry. (this must cover A-F?)



The HO6 policy covers condominium owners. It provides coverage for the part of the property owned by the condo owner. An HO6 policy usually includes a modified Coverage A, and Coverages C, D, E, and F.



The HO8 policy provides limited coverage on basic perils for both the dwelling and the contents of the property.
(So HO8 just covers A and c?)