Which homeowners policy provides content coverage specifically for apartment owners?

The correct choice is based on the specific needs of apartment owners for coverage related to their personal property. The HO-6 policy, also known as a condominium owners policy, is designed specifically for individuals who own a unit within a larger building, such as a condominium or apartment complex. This type of policy provides coverage for the unit's interior, personal belongings, and other contents.

The HO-6 policy not only covers the owner's personal property but can also offer liability protection, which is essential for individuals living in close proximity to others, as is typical in apartment living. This tailored coverage is crucial because the building's master policy (held by the homeowners' association) typically only insures the structure and common areas, not the individual owner's contents.

In contrast, the other policy types mentioned—HO-1, HO-3, and HO-4—do not specifically cater to apartment owners. The HO-1 and HO-3 policies are more general homeowners insurance products aimed primarily at single-family homes, while the HO-4 policy is tailored for renters, not owners. Therefore, the HO-6 policy is the best fit for apartment owners seeking content coverage.