What does the homeowner form HO-4 primarily cover?

The homeowner form HO-4 is designed specifically for tenants who rent a home or apartment. This form provides coverage primarily for the contents of the rented residence, which includes personal belongings such as furniture, electronics, clothing, and other personal items owned by the tenant.

The unique aspect of the HO-4 form is that it does not cover the structure itself, as that is the responsibility of the landlord's insurance policy. Instead, it focuses on protecting the tenant's personal possessions against risks such as theft, fire, or damage from other covered perils.

Additionally, while the HO-4 form may include some level of liability coverage, its main purpose centers around protecting the tenant's contents, which is why it is the correct answer in this context.