房屋保险单(HO)第 325 / 531 题
The HO-8 modified form is specifically designed for:
a.Condominium owners insuring interior building items
b.Luxury homes needing the widest available coverage
c.Older homes whose replacement cost exceeds market value
d.Renters who insure contents but not the structure
解析
The HO-8 modified form is intended for older or historic homes where the cost to replace with identical materials would greatly exceed the home's market value. It typically settles losses on a functional replacement or actual cash value basis rather than full replacement cost, keeping coverage affordable. HO-4 covers renters and HO-6 covers condominium unit owners, which are different needs.
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