Florida Community Association Manager Practice Exam

Which coverage is required to protect built-in cabinets and counter tops in a condo member's unit?

1. HO-2

2. HO-6

3. HO-3

4. HO-4

The correct answer is: HO-6

To protect built-in cabinets and countertops in a condominium member's unit, the appropriate homeowners insurance policy is the HO-6. This policy is specifically designed for condominium owners, addressing the unique needs that arise from shared property ownership. The HO-6 coverage typically includes protection for personal property and alterations made to the unit, including those built-in fixtures like cabinets and countertops. This insurance form is essential for covering the interior elements of the condo unit which may not be covered by the condominium association's master policy, especially in the event of damage due to fire, water, or other perils. While the other options, such as HO-2, HO-3, and HO-4, pertain to different types of homeowners or renters' policies, they do not specifically cater to the needs of condo owners regarding built-in features. HO-2 and HO-3 are more applicable for single-family homes, and HO-4 is targeted towards renters, which means it also lacks the specific coverages necessary for condo owners. Therefore, HO-6 is the best choice for protecting built-in cabinets and countertops in a condo member's unit.