Which form of homeowners insurance is typically used for a seasonal home?

Homeowners insurance for a seasonal home is typically represented by the HO-6 form, commonly known as a Condominium Unit Owners policy. This policy is specifically designed to provide coverage for individual units within a condominium structure, which can include seasonal or vacation properties.

The HO-6 form addresses the unique needs of condo owners by covering personal property and certain improvements made within the unit. Additionally, it often includes liability protection. For a seasonal home, where the property may be unoccupied for extended periods and could be at risk from perils such as theft or damage, this type of insurance offers essential coverage tailored for those circumstances.

The other forms mentioned, such as HO-1 (basic perils), HO-3 (most homeowners' policies covering a broad range of perils), and HO-5 (which provides open perils coverage for both structure and personal property), are generally suited for primary residences rather than seasonal or vacation homes. Therefore, the HO-6 is the most appropriate choice for insuring a seasonal home.