Does the HO-6 condominium unit-owners form cover common grounds adjacent to the insured's property?

The HO-6 condominium unit-owners form does not cover common grounds adjacent to the insured's property because the insurance coverage provided under this form is designed specifically for the individual unit itself rather than shared or common areas. In a condominium setup, common grounds, which may include lawns, walkways, or community facilities, are typically insured through the condominium association's master policy. This master policy provides coverage for these shared areas and is funded by the collective fees paid by all unit owners, including the insured.

Thus, while the individual policy protects the personal property within the unit and some structural elements, it does not extend to cover the common areas outside the unit. Therefore, the answer to whether the HO-6 form covers common grounds is accurately stated as false.