Póliza de Propietarios (HO)Pregunta 330 de 531
On a standard HO-3, the personal property of the insured is insured against:
a.the named perils listed in the form
b.any cause of loss that is not excluded
c.the open perils basis used for the dwelling
d.fire, lightning and smoke damage only
Explicación
The special form splits its basis: the dwelling and other structures are open perils, while personal property is covered only for the list of named perils the form spells out. The choice that gives contents the same open-perils treatment as the dwelling describes the comprehensive HO-5 instead. Cutting contents down to fire, lightning and smoke describes a far narrower basic form.
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