Which homeowners policy provides coverage for condominiums?

The homeowners policy specifically designed to provide coverage for condominiums is the HO-6 policy. This policy addresses the unique needs of condominium owners, offering coverage for personal property, loss of use, and liability, while also incorporating endorsements for the structure's interior and improvements made by the unit owner, which are often not covered by the condo association’s master policy. This tailored approach ensures that condominium owners have adequate insurance to protect their personal possessions and the parts of the unit they own, rather than the entire building.

In contrast, the other policies mentioned, like HO-3, HO-5, and HO-8, are designed for different types of residential properties such as single-family homes or older homes requiring modified coverage. They do not specifically cater to the needs of condominium owners, focusing instead on different structures and coverage requirements. As a result, the HO-6 is the most suitable option for individuals owning a condominium, making it the correct answer.