The most widely purchased homeowners' insurance providing all risks coverage on the dwelling and named perils coverage on personal property is

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The most commonly purchased homeowners' insurance policy providing all risks coverage on the dwelling and named perils coverage on personal property is the Special Form HO-3. This policy provides coverage for the dwelling and other structures for all risks, except for those specifically excluded in the policy. Personal property is covered for named perils, such as fire, theft, and vandalism. Other options listed (HO-1, HO-2, HO-5) may not provide the same level of coverage as the HO-3 or may be less commonly purchased.

The Most Widely Purchased Homeowners' Insurance Providing All Risks Coverage