Which of the following types of homeowners policies provides coverage for tenants?

The type of homeowners policy that provides coverage specifically for tenants is the HO-4 policy, often referred to as Renter's Insurance. This policy is designed to protect tenants who do not own the property they live in but still wish to safeguard their personal belongings against risks such as theft, fire, and certain types of damage.

HO-4 covers personal property within the rented space but does not extend coverage to the structure itself, as that is the responsibility of the property owner or landlord. Additionally, it includes liability coverage, which is important for tenants in protecting themselves against claims arising from injuries or damages to others while on the rented premises.

In contrast, the other policies mentioned—HO-1, HO-2, and HO-3—are tailored for homeowners who own the property. These policies provide coverage for the dwelling itself and may include some degree of personal property coverage as well, but they are not applicable to tenants. Thus, HO-4 is specifically suitable for individuals renting a home.