Which homeowners form does not provide coverage for buildings?

The homeowners form that does not provide coverage for buildings is the HO-4 form, commonly known as renters insurance. This type of policy is designed specifically for individuals who are renting a home or apartment and does not extend to the physical structure of the building where the insured resides. Instead, the HO-4 form covers personal property and provides liability protection for the renter, but it does not include coverage for the building itself, as that is the responsibility of the landlord or property owner.

In contrast, the HO-2, HO-3, and HO-5 forms are designed for property owners and specifically cover the dwelling or structure of the home. The HO-2 form provides named peril coverage for the structure, while the HO-3 form offers more extensive all-risk coverage for the dwelling. The HO-5 form expands further, offering broader protection and coverage for personal property on an open-peril basis. Thus, the distinction of the HO-4 form lies in its focus on personal effects rather than the building, making it the correct answer to the question.