What type of residences does HO 00 04 cover, and what type does HO 00 06 cover?

The HO 00 04 policy, also known as the Personal Homeowners Policy, is designed specifically for homeowners who reside in single-family homes. It generally does not cover other types of residences such as apartments or condos. Alternatively, the HO 00 06 policy, or the condo homeowners policy, is tailored for individuals who own condominiums.

Thus, the correct choice highlights that the HO 00 06 policy is suitable for apartments and condos, making it appropriate for those specific residential structures. This differentiation is essential for understanding how coverage works based on the type of residence, ensuring that policyholders select the correct insurance that aligns with their living arrangements. The distinctions reflect the varied risks and insurance needs associated with different types of residences, which is critical knowledge in the field of public adjusting.