Which homeowners policy is designed for rented properties?

The correct choice is aimed specifically at renters, providing a tailored form of coverage that protects personal property and liability for individuals living in a rented property. This policy does not cover the structure itself, as that responsibility falls to the landlord's insurance. However, it offers essential coverage for personal belongings against perils such as theft or fire, which is crucial for tenants looking to safeguard their possessions. This makes it distinct and relevant in the context of rented properties.

The other homeowners policies have different focuses: the HO-2 and HO-6 pertain to homeowners with specific structure types, while HO-8 is suited for older homes with rebuilding costs that may exceed the market value. Therefore, these options aren't applicable for renters, reinforcing why the choice that addresses rented properties is indeed the most suitable.