What does form HO-5 cover?

• A. The dwelling only
• B. The dwelling and other structures only
• C. The dwelling and other structures, as well as contents and personal property
• D. Contents only

Answer: (C)

HO-5, the Comprehensive form, is designed to insure both the home itself and the belongings inside it on an open-peril (all-risk) basis. This means losses are covered unless they’re specifically excluded in the policy. It applies open-peril coverage to the dwelling, to other structures (like a detached garage or shed), and to personal property or contents, making it the most complete standard homeowners form. Other forms often limit contents to named perils or don’t extend open-peril protection to all property, so HO-5 stands out by providing broad, open-peril coverage across both the structure and the contents.