PLOhiomedium
An Ohio homeowner wants open-perils coverage on both the dwelling AND personal property under the OH Standard Fire Policy floor. Which form should be quoted?
AHO-2 Broad Form — named perils on both dwelling and contents
BHO-3 Special Form — open perils on dwelling, named perils on contents
CHO-8 Modified Coverage Form
HO-5 Comprehensive Form
Why this is the answer
HO-3 covers the dwelling on an open-perils basis but personal property only on named perils. HO-5 extends open-perils treatment to Coverage C personal property as well, satisfying OH Standard Fire Policy minimums under R.C. 3929.27.
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