What does the "Contents broad form" (HO Forms 4) specifically cover?

• A. Structural improvements only
• B. Personal property and structural improvements
• C. Only personal property
• D. Only structural and liability coverage

Answer: (B)

The "Contents broad form" (HO Forms 4) specifically covers personal property owned by the insured while providing limited additional coverage for the dwelling structure itself. This form is specifically designed for renters or tenants who may not own the structure in which they reside but still have valuable personal property that requires protection against various risks.

In this context, the coverage extends beyond just personal property, as it can also encompass certain structural improvements made by the tenant, which may include alterations or enhancements that have been made to the rented living space. This dual coverage underscores the form's utility for those who occupy a residence they do not own, ensuring both personal belongings and improvements are covered against perils like theft, fire, and vandalism.

Therefore, the correct choice highlights that both types of coverage—personal property and structural improvements—are essential components of the "Contents broad form," making it an important policy for renters looking to safeguard their possessions and any changes they may have made to their living environment.