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A NJ homeowner wants open-perils coverage on both the dwelling AND personal property under an ISO form with NJ amendatory. Which form should be quoted?

Q: A NJ homeowner wants open-perils coverage on both the dwelling AND personal property under an ISO form with NJ amendatory. Which form should be quoted?

HO-5 Comprehensive Form — 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, the broadest unendorsed NJ homeowners form.

AHO-2 Broad Form

BHO-3 Special Form

HO-5 Comprehensive Form

DHO-8 Modified Coverage Form

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, the broadest unendorsed NJ homeowners form.

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