Which form would be most suitable for someone who only rents their living space?

The most suitable form for someone who only rents their living space is the HO-4 policy, commonly referred to as renters insurance. This form is specifically designed for tenants. It provides coverage for personal property and liability, which are essential for individuals renting an apartment or home.

Renters insurance protects the tenant's belongings in case of theft, fire, or other specified perils while also offering liability coverage in case someone is injured while in the rented space. Since renters do not own the physical structure, the HO-4 does not cover building structures, making it the appropriate choice for individuals who do not own their living space.

In contrast, the HO-5 policy is meant for homeowners and offers broader coverage for personal property and the structure itself. The HO-6 policy is designed for condominium owners, covering both the interior of the condo and personal property. The HO-8 is for older homes that may not meet current building codes, typically used for owner-occupied residences rather than renters. Hence, the HO-4 is the best fit for renters.