On which homeowners policy form is there only enough coverage of A and B to offset betterments and improvements?

The homeowners policy form that specifically offers coverage for betterments and improvements is the HO-6. This policy is designed for condominium owners and provides coverage for personal property as well as improvements made to the unit, acknowledging that these upgrades can add value and require additional protection.

In an HO-6 policy, Coverage A (dwelling) typically refers to the interior of the unit, while Coverage B (other structures) addresses any improvements or alterations made to the unit, ensuring that policyholders are compensated for enhancements they make beyond the original condition of their property. These elements are particularly important for condos, where owners might need to invest in upgrades due to the limited nature of shared structures and common areas.

In contrast, the other options do not specifically cater to the unique needs of condominium owners regarding betterments and improvements. The HO-4 and HO-3 policies focus primarily on personal property and dwelling coverage, respectively, while the HO-5 offers broader coverage for personal property but does not prioritize improvements in the same way. Hence, the HO-6 is distinctive in its approach to protecting the investments that condo owners make in their residences.