Which two homeowners policy forms provide open peril coverage for Coverage A (dwelling)?

The homeowners policy forms that provide open peril coverage for Coverage A (dwelling) are HO-3 and HO-5.

HO-3 is one of the most widely used homeowners policies. It offers coverage on an open peril basis for the dwelling, meaning it covers all perils except those specifically excluded in the policy. This broad coverage provides substantial protection for homeowners as it includes a wide range of risks.

HO-5, on the other hand, is an upgraded version that also provides open peril coverage for both the dwelling and personal property. This form enhances the coverage available to the policyholder, ensuring a higher level of protection for their home and belongings.

In contrast, other policy forms like HO-1 and HO-2 typically provide named peril coverage, meaning they only cover risks specifically listed in the policy. HO-4, known as renters insurance, doesn't cover the dwelling itself but focuses on personal property within a rented space. Hence, those options do not align with the criteria of offering open peril coverage for Coverage A.