Under the HO-4 and HO-6 homeowners policy forms, property is insured against which type of perils?

The HO-4 and HO-6 homeowners policy forms are designed specifically for tenants and condominium unit owners, respectively, and they provide coverage for personal property. These policies are structured to cover "broad form perils," which include a wide range of risks to protect the insured's personal belongings.

Broad form perils typically encompass various named perils like fire, theft, vandalism, and certain water damage, among others. This level of coverage is essential for individuals who may not own the structure itself but need to safeguard their personal items from diverse potential risks.

Understanding broad form perils is crucial because it indicates the extent of coverage provided in these policies, highlighting the need for tenants and condo owners to be aware of the specific situations in which their property would be covered. Other forms, such as basic or special, would not apply as they cater to different needs or provide different levels of coverage not specific to these policies.