Which Homeowner form does not provide any dwelling coverage (Coverage A)?

The HO-4 form, also known as the Tenants form, is specifically designed for renters rather than homeowners. Since tenants do not own the dwelling they reside in, this form does not include Coverage A, which pertains to dwelling coverage. Instead, the HO-4 focuses on providing personal property coverage and liability protection for the tenants' belongings and personal liability claims.

In contrast, the other forms listed—HO-3, HO-5, and HO-6—are designed to cover homeowners and include options for dwelling coverage. The HO-3 and HO-5 forms cover owner-occupied single-family homes, while the HO-6 form is tailored for condominium owners. Because the HO-4 is specifically intended for those who do not own the dwelling, it clearly lacks Coverage A.