Under Limits of Liability, what coverage do HO4 and HO6 primarily provide?

HO4 and HO6 forms provide coverage primarily for personal property. The HO4, also known as renters insurance, is designed for individuals who rent their living space and therefore do not own the physical structure. This policy offers personal property coverage, protecting the renters' belongings from risks such as theft, fire, or certain types of water damage.

The HO6, often referred to as condominium insurance, also focuses on personal property coverage. While it does provide some limited coverage for structural improvements made by the unit owner, it primarily serves to cover personal belongings. This includes items such as furniture, clothing, and electronics, much like renters insurance.

Both of these forms emphasize personal property rather than covering the structure itself, which is typically the responsibility of the landlord (in the case of HO4) or managed through the condo association's policy (in the case of HO6). Thus, the correct answer is Substantive focus on the protection of individual personal possessions.