Which form requires the insured to maintain a specified percentage of coinsurance on their contents?

The Reporting Form requires the insured to maintain a specified percentage of coinsurance on their contents because this type of policy is designed for businesses that have fluctuating inventory levels or varying amounts of personal property. With this form, the insured must report values periodically, and the coinsurance clause ensures that if the total value of contents is not reported accurately, the insured may suffer a penalty in the event of a loss. This approach helps insurers manage risk by ensuring that policyholders maintain an adequate level of insurance relative to their actual values at risk, thereby encouraging accurate reporting and proper coverage levels.

In this context, the other forms mentioned do not typically involve a coinsurance requirement tied to fluctuating values, which is why this characteristic is unique to the Reporting Form.