PLMAmedium
A MA homeowner wants open-perils coverage on both the dwelling AND personal property under an ISO form with MA amendatory. Which form should be quoted?
AHO-2 Broad Form
HO-5 Comprehensive Form
CHO-3 Special Form
DHO-8 Modified Coverage Form for older homes
Why this is the answer
HO-3 covers the dwelling on an open-perils basis but personal property only on a named-perils basis. HO-5 extends open-perils treatment to Coverage C personal property as well, making it the broadest unendorsed MA homeowners form.
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