Homeowners forms differ mainly in two ways: what property they cover, and whether perils are named or open.
HO-2 Broad Form: named perils on both the dwelling and personal property.
HO-3 Special Form: open perils on the dwelling (risk of direct physical loss unless excluded), named perils on personal property.
HO-5 Comprehensive Form: open perils on both the dwelling and personal property.
HO-4 Contents (Tenant's) Form: a tenant's personal property, plus parts of the unit the tenant owns, such as cabinets she installed, against named perils. No coverage on the landlord's building.
HO-6 Unit-Owners Form: a condominium or co-op owner's personal property and the structural parts of the unit the owner is responsible for. The building as a whole is the association's exposure.
HO-8 Modified Coverage Form: for older homes where full replacement cost may not be available. More limited coverage, usually on an actual cash value basis.
Memory hook: 2 = named/named, 3 = open/named, 5 = open/open. 4 is the renter, 6 the condo owner, 8 the old house.