Which Home Owner's form provides a wide range of coverage for personal property, including theft and vandalism?

The Home Owner's form that provides a wide range of coverage for personal property, including theft and vandalism, is the HO-5 Comprehensive Form. This form is designed for homeowners and offers broad coverage that protects personal property against a variety of risks. It typically includes coverage for personal property on an open peril basis, which means it covers all perils unless specifically excluded. This level of coverage ensures that personal items are protected from theft, vandalism, and many other forms of damage.

The HO-4 Contents Broad Form, while it does provide coverage for personal property like theft and vandalism, is more limited compared to the HO-5. It is specifically designed for renters and does not offer the same comprehensive approach to covering a wide array of potential risks to personal belongings.

The HO-3 Special Form primarily covers the dwelling on an open peril basis but only provides named perils coverage for personal property, which means only specific risks are covered.

The HO-6 Unit Owner's Form is tailored for condominium owners and similarly has specific limitations regarding the coverage of personal property.

In conclusion, the HO-5 Comprehensive Form stands out by offering the broadest and most inclusive protection for personal property, making it the ideal choice for comprehensive risk management.