Which homeowners policy form does not include Coverage A or B?

The homeowners policy form that does not include Coverage A (dwelling) or Coverage B (other structures) is indeed the form designed specifically for renters. This is known as the HO-4 policy, commonly referred to as renter's insurance.

Unlike other homeowners insurance forms that provide coverage for the physical structure of a home and other attached buildings, the HO-4 policy focuses on personal property within the rented space. It is tailored for individuals who rent their living space and do not have ownership over the physical structure, therefore, they do not need Coverage A or B. Instead, it covers personal belongings against risks such as theft, vandalism, and certain types of damages.

In contrast, the other forms mentioned are intended for homeowners who do need coverage for their dwelling and structures on their property. For example, the HO-3 and HO-5 policies provide extensive coverage for both dwelling and personal property, while the HO-6 policy is designed for condominium owners and encompasses coverage for both the unit and the personal property within it.