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Which standard ISO Homeowners form extends open-perils (special form) coverage to BOTH the dwelling and personal property?

Q: Which standard ISO Homeowners form extends open-perils (special form) coverage to BOTH the dwelling and personal property?

HO-5 Comprehensive Form — The HO-5 Comprehensive Form is the only standard ISO Homeowners form that applies open-perils (special form) treatment to BOTH Coverage A (Dwelling) and Coverage C (Personal Property). HO-3, by comparison, writes the dwelling open-perils but reverts personal property to a 16-peril named list. HO-2 is named-perils throughout, and HO-8 uses a reduced named-peril list with ACV settlement (ISO HO 00 05 Section I — Perils Insured Against).

AHO-2 Broad Form

HO-5 Comprehensive Form

CHO-3 Special Form

DHO-8 Modified Coverage Form

Why this is the answer

The HO-5 Comprehensive Form is the only standard ISO Homeowners form that applies open-perils (special form) treatment to BOTH Coverage A (Dwelling) and Coverage C (Personal Property). HO-3, by comparison, writes the dwelling open-perils but reverts personal property to a 16-peril named list. HO-2 is named-perils throughout, and HO-8 uses a reduced named-peril list with ACV settlement (ISO HO 00 05 Section I — Perils Insured Against).

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