Which policy is most likely to include coverage for liability, as well as personal and dwelling protection?

The homeowners policy that is most likely to include coverage for liability, personal property, and dwelling protection is the HO-3 policy. This type of policy is known as the "special form" policy, providing broad coverage for the dwelling and other structures on the property, while also including personal liability coverage.

The HO-3 policy generally insures the structure of the home on an open-peril basis, which means that it covers all risks of loss unless specifically excluded. This comprehensive approach ensures that both the dwelling and the personal property within it are well protected. Additionally, it includes liability coverage that protects the policyholder from claims made by others for bodily injury or property damage.

In contrast, other policies such as the HO-4, which is designed for renters, only cover personal property and liability but not the dwelling itself, as renters do not own the property. The HO-6 policy is tailored for condominium owners and provides coverage for personal property and liability, focusing primarily on the interior of the unit, while the structure itself is typically covered by the condominium association's policy. The HO-2 policy offers coverage for the dwelling and personal property but is limited compared to the all-risk nature of the HO-3.