An insured moving from an HO-3 to an HO-5 gains coverage because the HO-5:

Giải thích

Both forms insure the dwelling on an open-perils basis; the upgrade is that personal property becomes open perils too, so the insurer must point to an exclusion to deny a contents claim. The answer that adds flood and earth movement fails because those stay excluded on every homeowners form. The special limits on jewelry and firearms also survive the upgrade, and only scheduling lifts them.