<Table> <Tr> <Th> Policy Form </Th> <Th> Structural Coverage </Th> <Th> Property Coverage </Th> </Tr> <Tr> <Td> HO1--Basic </Td> <Td> Minimal </Td> <Td> Minimal </Td> </Tr> <Tr> <Td> HO2--Broad </Td> <Td> Broad "named perils" </Td> <Td> Broad "named perils" </Td> </Tr> <Tr> <Td> HO3--Special </Td> <Td> Special "open risks" </Td> <Td> Broad "named perils" </Td> </Tr> <Tr> <Td> HO4--Tenants </Td> <Td> No coverage </Td> <Td> Broad "named perils" </Td> </Tr> <Tr> <Td> HO6--Condominium </Td> <Td> Varies </Td> <Td> Broad "named perils" </Td> </Tr> </Table> <Tr> <Th> Policy Form </Th> <Th> Structural Coverage </Th> <Th> Property Coverage </Th> </Tr> <Tr> <Td> HO1--Basic </Td> <Td> Minimal </Td> <Td> Minimal </Td> </Tr> <Tr> <Td> HO2--Broad </Td> <Td> Broad "named perils" </Td> <Td> Broad "named perils" </Td> </Tr>

Explain the three types of insurance most states require business owners to carry