An insured wants the broadest possible homeowners coverage with open-perils protection on both the dwelling AND personal property. Which HO form provides this?

Why this is the answer

HO-5 (Comprehensive Form) provides the widest standard homeowners coverage. Unlike HO-3 — which uses open perils for the dwelling but named perils for contents — HO-5 applies open-perils (all-risk) to both Coverage A/B (dwelling and other structures) and Coverage C (personal property). This means personal property claims are paid unless an exclusion applies, rather than requiring the insured to match the loss to a listed peril. HO-5 is suited to high-value homes and contents where broader protection justifies the higher premium. HO-2 is entirely named perils; HO-6 covers condo improvements but not the full dwelling structure.