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An HO-4—Contents Broad Form (HO-4) includes building additions and alterations coverage up to 10 percent of the limit of Coverage C—Personal Property. Which one of the following individuals would typically benefit from this coverage?
A. An owner of an older house with obsolete construction
B. An owner of a single family home who has installed wheelchair ramps at the doors of her home to accommodate her wheelchair
C. A condominium unit owner who renovates the kitchen and installs more expensive cabinets than were originally in the unit
D. An apartment dweller who has installed a power-lift chair at the stairway inside his two-story unit
Answer: D. An apartment dweller who has installed a power-lift chair at the stairway inside his two-story unit
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