Which homeowners policy provides open-peril coverage for personal property without endorsements?

The homeowners policy that provides open-peril coverage for personal property without requiring endorsements is the HO-5 policy. This type of policy offers a comprehensive level of protection, covering personal property against all perils except those specifically excluded in the policy. This designation makes it one of the most robust homeowners insurance options available, as it provides a higher level of coverage and fewer limitations compared to other forms of homeowners insurance.

For example, the HO-3 policy offers open-peril coverage for the dwelling itself, but it generally provides named-peril coverage for personal property, meaning that it only covers losses caused by perils specifically listed in the policy. Similarly, the HO-4 policy, also known as renters insurance, specifically covers personal property but does so on a named-peril basis as well. The HO-1 policy is a basic form of coverage, severely limited in terms of the perils it covers.

In contrast, the HO-5 policy effectively eliminates the need for endorsements for personal property coverage, making it an attractive option for those seeking extensive protection without additional adjustments or modifications.