What is the primary benefit of the HO-6 form?

The HO-6 form, also known as a condo unit-owners insurance policy, primarily provides broad peril coverage for the individual unit in a condominium. This form is specifically designed for homeowners who own a unit within a multi-unit building, and it typically covers not only the interior of the unit but also specific personal property and may include improvements made to the unit.

This broad peril coverage is essential because it protects against various risks, such as fire, theft, and water damage, that can affect the owner's property and personal belongings inside the unit. Additionally, it often covers certain areas that may not be covered by the condominium association's master policy.

The other options, while they mention aspects of coverage, do not accurately capture the primary benefit of the HO-6 form. Coverage that is limited to personal belongings, property damage only, or strictly extensive liability does not reflect the comprehensive nature of the HO-6 in relation to the overall protections it offers to condo unit owners.