The HO-6 policy provides full replacement cost coverage if it is rendered a total loss by fire, EXCEPT:

The HO-6 policy provides full replacement cost coverage if it is rendered a total loss by fire, EXCEPT:



The structure portion occupied by the insured as a residence


Improvements and betterments made to the structure by the insured


Structures owned by the insured other than the residence


Replacement cost coverage does not apply under the HO-6 form



Answer: The structure portion occupied by the insured as a residence

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