Which homeowners policies provide coverage on an open-peril basis for personal property without endorsement?

The homeowners policy that provides coverage on an open-peril basis for personal property without requiring any endorsements is the HO-5 policy. This type of policy offers a broader level of protection compared to others, as it covers a wide range of risks unless specifically excluded in the policy language. By offering open-peril coverage for personal property, the HO-5 policy ensures that the insured's belongings are protected from any perils that are not listed as exclusions, making it one of the most comprehensive homeowners insurance options available.

In contrast, other policy types mentioned do not provide the same level of open-peril coverage for personal property. For example, while the HO-3 policy does cover the dwelling on an open-peril basis, it typically covers personal property on a named-peril basis, meaning only specific, listed risks are covered without adding additional endorsements. The HO-2 also provides named-peril coverage for personal property, which limits the scope of protection. The HO-8 policy is designed for older homes and primarily reflects a more restricted form of coverage that is often based on actual cash value, rather than offering the open-peril benefits found in the HO-5.