Which homeowners policies include both dwelling and personal property coverage on a broad peril form?

The correct answer is that HO 2 and HO 6 policies include both dwelling and personal property coverage on a broad peril form.

The HO 2 policy, also known as the Broad Form, provides coverage for the dwelling and personal property against a specified list of named perils. This means that it covers a wide range of risks that could damage the home or personal belongings, making it an extensive choice for homeowners looking for comprehensive protection.

The HO 6 policy, often tailored for condominium owners, also provides coverage for the interior of the unit (the dwelling part) and personal property. Similar to HO 2, it covers specific perils that could reasonably affect the insured items, ensuring that both structural and personal possessions are adequately protected.

Thus, by covering both the dwelling and personal property under broad peril forms, these policies offer a balanced and robust level of insurance, suited for diverse living situations, such as traditional homes for HO 2 and condominium settings for HO 6.