Which coverage does not exist for an HO-4 form?

The HO-4 form, commonly referred to as renter's insurance, is specifically designed for tenants who do not own the dwelling they occupy. It offers coverage primarily for personal property and provides liability protection. However, it does not include coverage for the dwelling itself, which is typical for homeowner policies like the HO-3.

Coverage A refers to dwelling coverage, which is critical for homeowners as it protects the structure of their home. Since tenants in an HO-4 form do not own the building they live in, there is no need for this type of coverage, and as a result, it is excluded from their policy.

In contrast, personal property coverage is provided under the HO-4, allowing renters to insure their belongings against risks like theft or damage. Additionally, liability coverage is also included, offering protection in case the insured is found legally responsible for injuries to others or damage to their property.

Thus, the correct answer accurately identifies that the HO-4 form does not provide coverage for the dwelling (Coverage A) and reinforces the nature of the policy designed for renters rather than property owners.