Which of the following homeowners forms provides indirect loss coverage?

The HO-5 homeowners form is known for providing broader coverage compared to the other homeowners forms, particularly regarding indirect loss coverage. This form includes coverage for personal property on an open-perils basis, meaning that it covers all risks except those specifically excluded in the policy.

Indirect loss refers to losses that occur as a consequence of a direct loss. For example, if a fire damages a home, the expenses associated with temporary housing while repairs are made would be considered an indirect loss. The HO-5 form typically provides coverage for additional living expenses when a covered event makes the home uninhabitable, which is a key aspect of indirect loss coverage.

In comparison, other forms such as the HO-3 cover direct losses to the dwelling and personal property but may not always include comprehensive indirect loss provisions. Thus, the HO-5 stands out as the correct choice due to its explicit inclusion of indirect loss coverage alongside its more extensive protection against risks.