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

The homeowners' policy that provides open-peril coverage for personal property without any need for an endorsement is the HO-5. This policy is designed to offer broader coverage compared to other homeowners' policies, specifically for personal property. In an open-peril policy, all perils are covered unless specifically excluded in the policy language, providing homeowners with comprehensive protection for their personal belongings.

The HO-3 policy, while also providing open-peril coverage for the dwelling, offers a named-peril list for personal property, which means it covers only specified risks rather than all except for those excluded. Meanwhile, the HO-1 and HO-2 policies provide named-peril coverage for both the dwelling and personal property, limiting the breadth of coverage significantly compared to an open-peril approach. Therefore, the HO-5 is the superior choice for homeowners seeking extensive coverage for personal property without the need for endorsements to expand their policy.