Which Home Owner's form covers both the dwelling and all property inside it from risks not specifically excluded?

The HO-5 Comprehensive Form is designed to provide broad coverage for both the dwelling and personal property within it. This form covers all risks, except those that are specifically excluded in the policy. This means that if a peril is not listed as excluded, it is generally covered by the policy, making it one of the most comprehensive homeowner's insurance options available.

This comprehensive nature is beneficial for homeowners who want extensive protection, as it includes personal property coverage that applies to various circumstances that could lead to loss or damage. In addition, the form usually includes coverage for various types of loss or damage that may not be protected under more limited forms.

The other options serve different purposes or have more restricted coverage. The HO-3 Special Form primarily provides coverage for the dwelling on an open perils basis while only offering named perils coverage for personal property. The HO-6 Unit Owner's Form is tailored for condominium owners and generally covers personal property and certain fixtures but not the dwelling itself. The HO-4 Contents Broad Form is designed for renters and covers personal property against named perils but does not provide coverage for the dwelling. Therefore, the HO-5 is the ideal choice for coverage that includes both the dwelling and personal property against a wide range of risks