Which Homeowners Insurance policies typically provide coverage for personal property?

Homeowners insurance policies are designed to provide different levels of coverage based on the specific type of policy. The policies that typically cover personal property are those that explicitly include coverage for personal belongings within the structure of the policy.

HO4, commonly known as Tenant's Insurance, is designed for renters and covers personal property within a rented home or apartment. HO6, known as Condominiums Insurance, provides coverage for personal property owned by a condominium owner and may also cover certain fixtures and improvements within the unit.

While other homeowners policies, such as HO2 and HO3, do provide coverage for personal property, they are not included in the answer provided. HO1 is a basic policy that offers limited coverage and typically does not include personal property coverage for policyholders.

Considering this breakdown, HO4 and HO6 are specifically tailored to address personal property coverage, making this choice the most accurate answer for which homeowners insurance policies typically provide coverage for personal property.